Federal credit union · SILVER SPRING, Maryland · NCUA charter #19514
HEMA
Health score 69/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 69
- Health / 100
- $16.5M
- Total assets
- 1,789
- Members
- 10.0%
- Net-worth ratio
HEMA scores 69/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $16.5M; members 1,789; net-worth ratio 9.99%; health rank #3,661 of 4,374; healthier than 16th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,661 of 4,374 health · 2025Q4HEMA · health 69/100 · $16.5M · 2025Q4
Call Report peers
HEMA in the assets neighbourhood
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HEMA vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); HEMA sits in 65-69 with 275 others.
69 16th percentile higher than 16% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where HEMA diverges from peer averages
- Largest favorable gap: Delinquency Rate at 0.65% vs peer 1.15% (-0.50 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -10.41 pp (49.39% vs 59.80%).
Maryland standing for HEMA
- In Maryland, health place is #52 of 62 on the same NCUA-ratio sort used nationally.
- By total assets, HEMA is #52 of 62 in Maryland.
- Member book place in Maryland: #50 of 62.
- One place up in Maryland, MNCPPC (#51) ties at 69/100; one place down, CENSUS (#53) scores 68/100, 1 point lower.
How HEMA's 5300 filing moved
HEMA: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.1% from $16.5M (2025Q4) to $16.8M (2026Q1).
- Net-worth ratio shifted -0.09 pp (10.08% → 9.99%).
9.99% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 69/100 score is built
HEMA gives up 31 points in total. Member Growth costs the most, 14.1 of its 15; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 23.5 pts
- Return on Assets 3.7 pts
- Member Growth 0.9 pts
- Loan-to-Share Ratio 10.9 pts
HEMA vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.99% | -4.87 pp |
| Delinquency Rate | 0.65% | -0.50 pp |
| Return on Assets | -0.08% | -0.79 pp |
| Member Growth | -4.48% | - |
| Loan-to-Share Ratio | 49.39% | -10.41 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Call Report history - HEMA
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $16.8M | - |
| 2025Q4 | $16.5M | 1,789 |
| 2024Q4 | $17.1M | 1,873 |
| 2023Q4 | $17.5M | 1,910 |
Credit Union Details
- Charter Number
- 19514
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Maryland
- City
- SILVER SPRING
- Data Quarter
- 2025Q4
Branch Locations (3)
HEMA operates 3 offices across 2 cities, spanning 2 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| HEMA Federal Credit Union (Main Office) | Silver Spring, MD |
| Fiserv - Disaster Recovery | Salt Lake City, UT |
| Eagle Bank | Silver Spring, MD |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Maryland
Other federally-insured credit unions in Maryland, closest first by peer group and asset size.
Nationwide credit unions with similar profiles
Similar total assets
Similar health score
Using this data
- HEMA ranks #3,661 of 4,374 nationally on financial health and #52 of 62 in MD -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- MNCPPC is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with MNCPPC
Frequently Asked Questions
Is HEMA financially healthy?
On its 2025Q4 NCUA 5300 filing, HEMA scores 69/100 (Good), with a 9.99% net worth ratio and 0.65% of loans delinquent. It ranks #3,661 of 4,374 nationally on health and #52 of 62 in Maryland.
How does HEMA compare to other credit unions?
HEMA scores 69/100, higher than 16% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is delinquency rate (0.65% vs 1.15%). Its widest shortfall is loan-to-share ratio (49.39% vs 59.80%).
How can I join HEMA?
HEMA operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact HEMA directly for the exact boundaries and application steps.
Is my money safe at HEMA?
HEMA is a federal 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. HEMA's net worth ratio of 9.99% 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.