Credit Union Safety Analysis
Is Hapo Community Credit Union Safe? Richland, Washington
Based on its Q2 2026 NCUA 5300 call report, Hapo Community Credit Union has a net worth ratio of 11.20%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.18%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Hapo Community Credit Union's net worth ratio is 11.20%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 11.20%
- Delinquency ratio (60+ days) (Q2 2026): 0.18%
- Return on assets (Q2 2026): 1.69%
- Loan-to-share ratio (Q2 2026): 83.84%
Hapo Community Credit Union (NCUA charter 68239, established 1953) reported $2.99B in assets and 213,072 members for Q2 2026 from Richland, Washington. It ranks 10 of 73 credit unions in Washington by total assets. Total assets grew 24.8% from $2.39B on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 454 credit unions with $1B to $10B in assets: 10.89%; middle half of peers: 9.81% to 12.63%.
Earlier filings: 10.42% for Q1 2026; 12.20% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.68%; middle half of peers: 0.45% to 1.05%.
Earlier filings: 0.19% for Q1 2026; 0.39% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.89%; middle half of peers: 0.59% to 1.25%.
Earlier filings: 1.38% for Q1 2026; 1.39% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 88.03%; middle half of peers: 78.23% to 95.19%.
Earlier filings: 80.35% for Q1 2026; 94.32% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $721.3M
- Commercial loans: $524.2M
- 1- to 4-family residential and other consumer real estate loans: $436.7M
- New vehicle loans: $272.9M
- Unsecured credit card loans: $113.5M
- Other secured non-real estate loans and lines of credit: $72.5M
- Other unsecured loans and lines of credit: $12.1M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $2.99B | 11.20% | 0.18% | 1.69% | 83.84% |
| March 31, 2026 | $3.09B | 10.42% | 0.19% | 1.38% | 80.35% |
| December 31, 2025 | $3.04B | 10.22% | 0.29% | 1.43% | 83.32% |
| September 30, 2025 | $3.01B | 9.96% | 0.29% | 1.26% | 84.95% |
| June 30, 2025 | $2.39B | 12.20% | 0.39% | 1.39% | 94.32% |
| March 31, 2025 | $2.40B | 11.87% | 0.31% | 1.28% | 92.94% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Hapo Community Credit Union profile
Regulator records: NCUA credit union profile (charter 68239) · FFIEC NIC profile (RSSD 714389)
Frequently asked questions
Is Hapo Community Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Hapo Community Credit Union's net worth ratio is 11.20%, above the 7% NCUA threshold for well capitalized.
Is Hapo Community Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Hapo Community Credit Union is a federally insured credit union (NCUA charter 68239): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Hapo Community Credit Union's key safety ratios?
For Q2 2026, Hapo Community Credit Union reports net worth 11.20%, delinquency 0.18%, ROA 1.69%, loan-to-share 83.84%.
What happens to my money if Hapo Community Credit Union fails?
For Q2 2026, Hapo Community Credit Union held $2.57B in shares and deposits for 213,072 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.