State credit union · Richland, Washington · NCUA charter #68239
Hapo Community
Health score 96/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 96
- Health / 100
- $3.04B
- Total assets
- 213,590
- Members
- 10.4%
- Net-worth ratio
Hapo Community scores 96/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $3.04B; members 213,590; net-worth ratio 10.42%; health rank #284 of 4,374; healthier than 93rd of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#284 of 4,374 health · 2025Q4Hapo Community · health 96/100 · $3.04B · 2025Q4
Call Report peers
Hapo Community in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Hapo Community vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Hapo Community sits in 95-99 with 391 others.
96 Top 7% higher than 93% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Hapo Community: Call Report deltas vs peers
- Strongest edge vs 749 Over $500M peers is Delinquency Rate: -0.59 pp (0.29% vs 0.87%).
- Net Worth Ratio trails the peer set - 10.42% here, 11.18% peer average (-0.76 pp).
Where Hapo Community sits in Washington
- Washington health ordinal: #6 of 75.
- By total assets, Hapo Community is #10 of 75 in Washington.
- Membership ranks #6 of 75 among Washington CUs with a reported count (213,590 members).
- One place up in Washington, Responders Emergency Services (#5) ties at 96/100; one place down, PROGRESSIONS (#7) scores 95/100, 1 point lower.
How Hapo Community's 5300 filing moved
Hapo Community: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.5% from $3.04B (2025Q4) to $3.09B (2026Q1).
- Net-worth ratio shifted +0.20 pp (10.22% → 10.42%).
10.42% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 96/100 score is built
Hapo Community gives up 4 points in total. Member Growth costs the most, 3.6 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 11.4 pts
- Loan-to-Share Ratio 14.6 pts
Hapo Community vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.42% | -0.76 pp |
| Delinquency Rate | 0.29% | -0.59 pp |
| Return on Assets | 1.09% | +0.59 pp |
| Member Growth | 1.96% | - |
| Loan-to-Share Ratio | 83.32% | -0.58 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Call Report history - Hapo Community
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $3.09B | - |
| 2025Q4 | $3.04B | 213,590 |
| 2024Q4 | $2.37B | 209,477 |
| 2023Q4 | $2.37B | 207,589 |
Credit Union Details
- Charter Number
- 68239
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Washington
- City
- Richland
- Data Quarter
- 2025Q4
Branch Locations (26)
Hapo Community operates 26 offices across 14 cities, spanning 2 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Richland (Main Office) | Richland, WA |
| Walla Walla | College Place, WA |
| Connell | Connell, WA |
| Hermiston Branch | Hermiston, OR |
| Hermiston - Cornell Place Drive Through | Hermiston, OR |
| Kennewick | Kennewick, WA |
| Southridge | Kennewick, WA |
| HAPO Business Complex | Kennewick, WA |
| Clearwater | Kennewick, WA |
| Grandridge | Kennewick, WA |
| Jennings Lodge | Milwaukie, OR |
| Pasco | Pasco, WA |
| West Pasco | Pasco, WA |
| Broadmoor Blvd | Pasco, WA |
| Prosser | Prosser, WA |
| Meadow Springs | Richland, WA |
| Queensgate | Richland, WA |
| Jadwin | Richland, WA |
| Sunnyside | Sunnyside, WA |
| Vancouver | Vancouver, WA |
| Walla Walla Eastgate | Walla Walla, WA |
| Belmont | West Richland, WA |
| Weston | Weston, OR |
| Yakima | Yakima, WA |
| Terrace Heights | Yakima, WA |
| Yakima - Nob Hill | Yakima, WA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Washington
More federally-insured credit unions based in Washington, ordered by peer group match and asset size.
Other-state peers near Hapo Community
Using this data
- Hapo Community ranks #284 of 4,374 nationally on financial health and #6 of 75 in WA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- HARBORSTONE is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with HARBORSTONE
Frequently Asked Questions
Is Hapo Community financially healthy?
Hapo Community has a financial health score of 96/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #284 of 4,374 nationally on health and #6 of 75 in Washington. Its net worth ratio is 10.42% and its delinquency rate 0.29%.
How does Hapo Community compare to other credit unions?
Hapo Community scores 96/100, higher than 93% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is delinquency rate (0.29% vs 0.87%). Its widest shortfall is net worth ratio (10.42% vs 11.18%).
How can I join Hapo Community?
Membership eligibility for Hapo Community depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Hapo Community directly for current membership requirements and application steps.
Is my money safe at Hapo Community?
Hapo Community is a state-chartered credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Hapo Community's net worth ratio of 10.42% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.