Hapo Community Credit Union Richland, Washington
Hapo Community Credit Union is a state-chartered credit union headquartered in Richland, WA, established in 1953 (NCUA charter 68239), and it is regulated and insured by the NCUA. At Q2 2026 it reported 213,072 members and total assets of $2.99B (up 24.8% from Q2 2025), the 10th largest of 73 credit unions headquartered in Washington. Its net worth ratio was 11.20% at Q2 2026, in the well capitalized band.
Also written as Hapo Community CU · Trade names filed with the NCUA: HAPO, HAPO Mortgage, HAPO Direct, HAPO Commercial Services, HAPO Hangout and HAPO Center
BankRegReports is independent of Hapo Community Credit Union and never asks for online banking logins or passwords.
Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 68239
- Headquarters
- Richland, WA
- Established
- 1953
- Total assets, Q2 2026
- $2.99B
- Assets vs Q2 2025
- +24.8%
- Members, Q2 2026
- 213,072
- Net worth ratio, Q2 2026
- 11.20%
- Latest call report
- Q2 2026, NCUA 5300 · Hapo Community Credit Union call report
- Asset rank in state
- 10th of 73 in Washington
- Routing number
- 325181264
- Branches
- 26
It has 3,360 more members than on June 30, 2025 (+1.6%). Its net worth ratio was down 1.00 percentage points from 12.20% on June 30, 2025. Used vehicle loans are its largest loan category, $721.3M of $2.15B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.18% is below the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 11.20% net worth ratio is above that band's 10.89% median.
Credit unions merged into Hapo Community Credit Union
Oregon Pioneer Federal Credit Union (2019) · Pine Creek Federal Credit Union (2016) · America's Best Community Federal Credit Union (2015)
Frequently asked about Hapo Community Credit Union
How big is Hapo Community Credit Union?
At Q2 2026 it reported total assets of $2.99B and 213,072 members.
Where is Hapo Community Credit Union headquartered?
It is headquartered in Richland, WA, United States.
When was Hapo Community Credit Union founded?
It was established in 1953, per NCUA records.
Is Hapo Community Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 68239): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Hapo Community Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Hapo Community Credit Union well capitalized?
Its net worth ratio was 11.20% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Hapo Community Credit Union's delinquency ratio?
Its delinquency ratio was 0.18% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Hapo Community Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 83.84% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Richland, WA 99354
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1953
- NCUA Charter #
- 68239
- RSSD ID
- 714389
- Members
- 213,072
- Potential members
- 10,083,284
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 454 credit unions with $1B to $10B in assets, as of Q2 2026. It is in the top quartile on 4 of 7 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 12.63% | 11.20% | 10.89% | 54th above |
| Return on assets Middle half of peers: 0.59% to 1.25% | 1.69% | 0.89% | over 90th top |
| Return on equity Middle half of peers: 5.37% to 10.92% | 15.14% | 8.07% | over 90th top |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 4.04% | 3.45% | 85th top |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 63.74% | 70.59% | 73rd above |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 1.67% | 1.68% | 51st above |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 0.18% | 0.68% | over 90th top |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 5.70% | 5.12% | 86th position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 83.84% | 88.03% | 39th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$2.99B total assets against $2.39B; $2.57B total shares and deposits against $1.98B; $2.15B total loans against $1.87B.
$334.3M net worth against $290.7M.
11.20% net worth ratio against 12.20%.
83.84% loan-to-share ratio against 94.32%.
0.18% delinquency ratio against 0.39%.
1.69% return on assets against 1.39%; 15.14% return on equity against 11.45%.
4.04% net interest margin against 4.05%.
213,072 members against 209,712.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 11.20% | 1.69% | 0.18% | 83.84% |
| March 31, 2026 | 10.42% | 1.38% | 0.19% | 80.35% |
| December 31, 2025 | 10.22% | 1.43% | 0.29% | 83.32% |
| September 30, 2025 | 9.96% | 1.26% | 0.29% | 84.95% |
| June 30, 2025 | 12.20% | 1.39% | 0.39% | 94.32% |
| March 31, 2025 | 11.87% | 1.28% | 0.31% | 92.94% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.