Compared with New Jersey
8 of 16
compared fees are above the median.
5 below, 3 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
NCUA 5300 call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
NCUA 5300 call report · Jun 30, 2026
Fee income
Q2 2026, one quarter
NCUA 5300 call report · Jun 30, 2026
Fee-income share of revenue
75th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the New Jersey median
of 16 compared; 5 below, 3 about the same
See the feesFee schedule read Nov 2, 2026
Call-report figures are for Hamilton Horizons Federal Credit Union, from NCUA 5300 call reports. Revenue is interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | NCUA 5300 call report Account 010 | Q2 2026 Quarter ended Jun 30, 2026 | Oct 20, 2026 |
| Revenue | Revenue (interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | NCUA 5300 call report Account 115 + Account 117 | Q2 2026 Quarter ended Jun 30, 2026 | Oct 20, 2026 |
| Fee income | Fee income (NCUA 5300 Account 131) Standalone quarter: year to date less the prior quarter (Q1 as filed) | NCUA 5300 call report Account 131 | Q2 2026 Quarter ended Jun 30, 2026 | Oct 20, 2026 |
| Fee-income share of revenue | Fee income (NCUA 5300 Account 131) divided by revenue (interest + noninterest income) Year to date through the quarter. Median and percentile from each of 2,932 credit unions with under $300M in assets reporting a share above 0%, this one left out. | NCUA 5300 call report Account 131 / (Account 115 + Account 117) | Q2 2026 Year to date | Not recorded |
| Fees above the New Jersey median | Published fees above the New Jersey median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Hamilton Horizons Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Nov 2, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 11% of revenue, above the 7.2% median of 2,932 credit unions with under $300M in assets (75th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Fee income was $36K in Q2 2026, 10.0% below the same quarter a year earlier ($40K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
8 of 16 compared published fees sit above the New Jersey median; 5 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with New Jersey medians for fees published by banks and credit unions.
Cashier's Check
Compared at $12.50, the middle of its prices
Overdraft (OD)
NSF / Returned Item
Compared at $30, the middle of its prices
Each amount links to the fee schedule it was read from. Medians for New Jersey, the Philadelphia district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income fell 23% from Q3 2025 to Q2 2026, to $36K. Its share of revenue, 11%, is above the 7.2% median for credit unions with under $300M in assets.
$36K
Hamilton Horizons Federal Credit UnionMedian
NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 2,932 credit unions with under $300M in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
Hamilton Horizons Federal Credit Union · $20M in assets
The 25 credit unions closest in assets
Credit unions of similar size, for comparing published prices. Not local competitors: they're spread over 16 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Hamilton Horizons Federal Credit Union(this institution) | Hamilton, NJ | $20M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Arh Federal Credit Union | Middlesboro, KY | $20M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bitterroot Community Federal Credit Union | Darby, MT | $19M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Blue Water Federal Credit Union | Port Huron, MI | $20M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Community Healthcare Federal Credit Union | Everett, WA | $20M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Corner Stone Federal Credit Union | lancaster, TX | $20M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Crouse Federal Credit Union | Syracuse, NY | $20M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Dn Community Federal Credit Union | Canton, OH | $20M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| East Orange Va Hospital Federal Credit Union | East Orange, NJ | $20M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Frankfort Community Federal Credit Union | Frankfort, MI | $20M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Genuine Parts Federal Credit Union | Norcross, GA | $19M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Germania Federal Credit Union | Brenham, TX | $19M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Holy Family Memorial Federal Credit Union | Manitowoc, WI | $20M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Hutchinson Government Employees Federal Credit Union | Hutchinson, KS | $20M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Lakota Federal Credit Union | Kyle, SD | $20M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Lcra Federal Credit Union | Austin, TX | $20M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Local 41 I.B.E.W. Federal Credit Union | Orchard Park, NY | $19M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Locomotive & Control Employees Federal Credit Union | Erie, PA | $20M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Newrizons Federal Credit Union | Hoquiam, WA | $19M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Northern Valley Federal Credit Union | Grand Forks, ND | $20M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Oshkosh Community Federal Credit Union | Oshkosh, WI | $20M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Port Arthur Community Federal Credit Union | Port Arthur, TX | $20M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| St. Louis Policemen`S Federal Credit Union | saint louis, MO | $20M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Summit Ridge Federal Credit Union | Lees Summit, MO | $19M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Temple-Inland Federal Credit Union | Diboll, TX | $20M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Union Pacific Streamliner Federal Credit Union | Omaha, NE | $21M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 10 publish this fee(out-of-network atm)
15 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $1.50 among 10 publishing peers.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026.
Out-of-network ATM fee in dollars, one mark per institution
Hamilton Horizons Federal Credit Union does not publish an out-of-network atm fee, so it is not on this chart.
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026. Total assets from FDIC and NCUA records.
Call reports for Hamilton Horizons Federal Credit Union (credit union). Income lines are standalone quarters.
Fee income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $36K | −$3K | −7.7% |
| Q1 2026 | $39K | −$3K | −7.1% |
| Q4 2025 | $42K | −$5K | −10.6% |
| Q3 2025 | $47K | +$7K | +17.5% |
| Q2 2025 | $40K | +$4K | +11.1% |
| Q1 2025 | $36K | −$4K | −10.0% |
| Q4 2024 | $40K | −$5K | −11.1% |
| Q3 2024 | $45K | +$9K | +25.0% |
Financial cohort: 3,250 credit unions with under $300M in assets filing for Q2 2026; 2,932 reported a share above 0% and are counted, Hamilton Horizons Federal Credit Union left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Hamilton Horizons Federal Credit Union by share.
Amounts from Hamilton Horizons Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per quarter
per hour · Account Research | $25.00 per hour (one hour minimum)
per month
per quarter
per item
per item
per item
per item
per day
per day · Maximum per day
per item
per item
per item
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Account Closing Fee | $5Below the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Inactive Account Fee | $25Not compared: Quarterly charge, not monthly | per quarter | None |
| Account Research | $25Not compared: Charged per hour; comparison unavailable | per hour | Account Research | $25.00 per hour (one hour minimum) |
| Paper Statement Fee | $2Inside the U.S. middle 50% ($2 to $4.99 nationally) | per month | None |
| Bad Address Fee | $10Not compared: Quarterly charge, not monthly | per quarter | None |
Overdraft & NSF | |||
| Courtesy Pay | $30Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| ATM NSF Fee | $30Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| ATM Returned Item Fee | $25Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| NSF Fee | $30Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Extended Overdraft Fee | $5Inside the U.S. middle 50% ($5 to $15 nationally) | per day | None |
| Courtesy Pay Daily Cap (audience not stated, treated as personal) | $90Below the U.S. middle 50% ($100 to $162.50 nationally) | per day | Maximum per day |
| Courtesy Pay daily maximum | $90Below the U.S. middle 50% ($100 to $162.50 nationally) | Not stated | None |
ATM & Card | |||
| ATM Card Replacement Fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Replacement card fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| VISA Debit Card Replacement Fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Rush Card | $80Above the U.S. middle 50% ($30 to $50 nationally) | per item | None |
| Debit Card Visa International Assessment (ISA)/Foreign Transaction Fee | 1%of the transaction | Not stated | None |
Wire Transfers | |||
| Wire Transfer Fee: Domestic | $30Above the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfer: >>>Domestic | $30Above the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfer Fee: International | $50Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
| Wire Transfer: >>>International | $50Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Cashier’s Check Fee | $10Above the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Certified Check Fee | $15Above the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Stop Payment Fee | $25Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Foreign Check Collection | $40Above the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
Cash & Deposit | |||
| Returned Item Fee | $25Inside the U.S. middle 50% ($9 to $25 nationally) | per item | None |
Account Services | |||
| IRS Levy/Garnishment Services | $35Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Other Fees | |||
| FedEx Fee | $40Inside the U.S. middle 50% ($20 to $40 nationally) | Not stated | None |
| FedEx Fee (Saturday Delivery) | $50Above the U.S. middle 50% ($20 to $40 nationally) | Not stated | None |
| Statement Copies | $3Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Nov 2, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where Hamilton Horizons Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
2 offices in 1 state (June 30, 2026)
Each dot is one office.
Cities with the most offices
| East Brunswick, NJ | 1 |
| Hamilton, NJ | 1 |
Largest competitors nearby
Local market: Mercer county, NJ, around its headquarters.
| 34 in its local market | Deposit share |
|---|---|
| Bank of America, National Association | 28.5% |
| Wells Fargo Bank, National Association | 14.3% |
| PNC Bank, National Association | 13.5% |
| TD Bank, National Association | 7.5% |
| JPMorgan Chase Bank, National Association | 6.8% |
Source: NCUA credit union branch file, quarter ending June 30, 2026. NCUA does not report deposits by office.
Fee change alerts
We check once a day and send one email covering every change.