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
- NCUSIF 96/100
- CAMELS 10.4%
- HEALTH 0.29%
- NW 1.09%
- DELQ $3.04B
- ROA 213,590
- ASSETS #284/4,374
- MEM ALTRA
- RANK 68239
Call Report peers
Hapo Community in the assets neighbourhood
Hapo Community's $3.04B assets sit next to ALTRA ($3.05B) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
96 Top 7% higher than 93% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Hapo Community - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #68239: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
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).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for WA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Hapo Community's 5300 filing moved
Hapo Community: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.5% from $3.04B (2025Q4) to $3.09B (2026Q1).
- Net-worth ratio shifted +0.20 pp (10.22% → 10.42%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 96.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
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
Cross-state asset and health neighbours for Hapo Community - kept outside Washington; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($3.04B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (96/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Washington credit unions compare overall before assuming this one is typical. Washington state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Hapo Community financially healthy?
Hapo Community scores 96/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #284 of 4,374; by total assets it ranks #164 of 4,374 nationally (same basis as /rankings/largest); and #10 of 75 within Washington. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 10.42% net worth ratio and a 0.29% delinquency rate.
How does Hapo Community compare to other credit unions?
PlainCU's health composite puts Hapo Community at 96/100, compared to a peer group average for Over $500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like Hapo Community are 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."
What rates does Hapo Community offer compared to banks?
Credit unions like Hapo Community are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Hapo Community directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.