Federal credit union · HEMINGFORD, Nebraska · NCUA charter #7210
Hemingford Community
Health score 92/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 92
- Health / 100
- $9.1M
- Total assets
- 992
- Members
- 10.0%
- Net-worth ratio
Hemingford Community scores 92/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $9.1M; members 992; net-worth ratio 10.00%; health rank #839 of 4,374; healthier than 80th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#839 of 4,374 health · 2025Q4Hemingford Community · health 92/100 · $9.1M · 2025Q4
- ASSETS 92/100
- MEM 10.0%
- RANK 0.52%
- PHOTO 0.63%
- BOOK $9.1M
- CHARTER 992
- NCUSIF #839/4,374
- CAMELS n/a
- HEALTH 7210
Call Report peers
Hemingford Community carries $9.1M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Hemingford 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
92 Top 20% higher than 80% 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
Hemingford Community - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #7210: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Where Hemingford Community diverges from peer averages
- Strongest edge vs 566 $2M–$10M peers is Loan-to-Share Ratio: +14.95 pp (78.55% vs 63.60%).
- Largest lag: Net Worth Ratio at 10.00% vs peer 19.06% (-9.06 pp).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Hemingford Community in Nebraska
- Health composite ranks #7 of 50 among scored Nebraska credit unions.
- Nebraska assets place: #40 of 50.
- Nebraska membership ordinal: #42 of 50.
In-state ordinals use the live credit_unions table for NE only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Hemingford Community Call Report trajectory
Hemingford Community: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +10.4% from $9.1M (2025Q4) to $10.0M (2026Q1).
- Net-worth ratio shifted -0.89 pp (10.89% → 10.00%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 10.00% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 92/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 92.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 24.8 pts
- Return on Assets 15.0 pts
- Member Growth 7.2 pts
- Loan-to-Share Ratio 15.0 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.00% | -9.06 pp |
| Delinquency Rate | 0.52% | -1.29 pp |
| Return on Assets | 0.63% | +0.18 pp |
| Member Growth | -1.00% | - |
| Loan-to-Share Ratio | 78.55% | +14.95 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Call Report history - Hemingford Community
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $10.0M | - |
| 2025Q4 | $9.1M | 992 |
| 2024Q4 | $9.2M | 1,002 |
| 2023Q4 | $8.6M | 1,026 |
Credit Union Details
- Charter Number
- 7210
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- Nebraska
- City
- HEMINGFORD
- Data Quarter
- 2025Q4
Branch Location
Hemingford Community operates a single office in HEMINGFORD, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| CORPORATE OFFICE (Main Office) | HEMINGFORD, NE |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Nebraska
More federally-insured credit unions based in Nebraska, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
Cross-state asset and health neighbours for Hemingford Community - kept outside Nebraska; in-state CUs stay in the Nearby block.
Similar health score
Nearest other-state credit unions by five-factor health composite (92/100 here).
Using this data
- Hemingford Community ranks #839 of 4,374 nationally on financial health and #7 of 50 in NE -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- WOODMEN is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with WOODMEN
- Rates and health both vary by institution, not just by state -- see how Nebraska credit unions compare overall before assuming this one is typical. Nebraska 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 Hemingford Community financially healthy?
Hemingford Community scores 92/100 (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 #839 of 4,374; by total assets it ranks #3,603 of 4,374 nationally (same basis as /rankings/largest); and #40 of 50 within Nebraska. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 10.00% net worth ratio and a 0.52% delinquency rate.
How does Hemingford Community compare to other credit unions?
On PlainCU's health composite, Hemingford Community lands at 92/100, compared to a peer group average for $2M–$10M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), 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 Hemingford Community?
Hemingford Community 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 Hemingford Community directly for the exact boundaries and application steps.
Is my money safe at Hemingford Community?
Federal credit unions like Hemingford 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. Hemingford Community's net worth ratio of 10.00% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Hemingford Community offer compared to banks?
Credit unions like Hemingford 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 Hemingford 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.