Health Care Professionals Federal Credit Union Richmond, Indiana
Health Care Professionals Federal Credit Union is a federal credit union headquartered in Richmond, IN, established in 1975 (NCUA charter 22213), and it is regulated and insured by the NCUA. At Q2 2026 it reported 3,390 members and total assets of $41.6M (up 16.2% from Q2 2025), the 76th largest of 118 credit unions headquartered in Indiana. Its net worth ratio was 18.61% at Q2 2026, in the well capitalized band.
Also written as Health Care Professionals FCU · Trade name filed with the NCUA: HCP Credit Union
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 22213
- Headquarters
- Richmond, IN
- Established
- 1975
- Total assets, Q2 2026
- $41.6M
- Assets vs Q2 2025
- +16.2%
- Members, Q2 2026
- 3,390
- Net worth ratio, Q2 2026
- 18.61%
- Latest call report
- Q2 2026, NCUA 5300 · Health Care Professionals Federal Credit Union call report
- Asset rank in state
- 76th of 118 in Indiana
- Routing number
- 274986413
- Branches
- 2
It has 33 more members than on June 30, 2025 (+1.0%). Its net worth ratio was down 0.48 percentage points from 19.09% on June 30, 2025. Used vehicle loans are its largest loan category, $9.9M of $20.9M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.00% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 18.61% net worth ratio is above that band's 14.31% median.
Credit unions similar in size in Indiana
Credit unions merged into Health Care Professionals Federal Credit Union
Frequently asked about Health Care Professionals Federal Credit Union
How big is Health Care Professionals Federal Credit Union?
At Q2 2026 it reported total assets of $41.6M and 3,390 members.
Where is Health Care Professionals Federal Credit Union headquartered?
It is headquartered in Richmond, IN, United States.
When was Health Care Professionals Federal Credit Union founded?
It was established in 1975, per NCUA records.
Is Health Care Professionals Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 22213): 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 Health Care Professionals Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Health Care Professionals Federal Credit Union well capitalized?
Its net worth ratio was 18.61% 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 Health Care Professionals Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.00% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Health Care Professionals Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 62.52% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Richmond, IN 47374
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1975
- NCUA Charter #
- 22213
- RSSD ID
- 867883
- Members
- 3,390
- Potential members
- 12,523
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 1 of 7 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 18.61% | 14.31% | 71st above |
| Return on assets Middle half of peers: 0.16% to 1.30% | 1.23% | 0.72% | 72nd above |
| Return on equity Middle half of peers: 1.04% to 8.69% | 6.62% | 4.74% | 62nd above |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 4.30% | 3.93% | 65th above |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 75.94% | 79.83% | 58th above |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.53% | 0.78% | 65th above |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 0.00% | 0.86% | over 90th top |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 4.84% | 4.70% | 55th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 62.52% | 58.92% | 55th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$41.6M total assets against $35.8M; $33.4M total shares and deposits against $28.8M; $20.9M total loans against $18.6M.
$7.7M net worth against $6.8M.
18.61% net worth ratio against 19.09%.
62.52% loan-to-share ratio against 64.56%.
0.00% delinquency ratio against 0.08%.
1.23% return on assets against 1.58%; 6.62% return on equity against 8.30%.
4.30% net interest margin against 4.49%.
3,390 members against 3,357.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 18.61% | 1.23% | 0.00% | 62.52% |
| March 31, 2026 | 18.64% | 2.01% | — | 61.57% |
| December 31, 2025 | 19.09% | 1.71% | 0.04% | 63.65% |
| September 30, 2025 | 18.98% | 1.78% | 0.07% | 64.23% |
| June 30, 2025 | 19.09% | 1.58% | 0.08% | 64.56% |
| March 31, 2025 | 18.15% | 1.46% | 0.01% | 60.52% |
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.