Hapo Community
Richland, WA · Charter 68239 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 22 branches
Q2 2026
$3.0BAssets
$2.2BLoans
$2.6BShares
$334.3MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 97% of credit unions $1B-$10B in assets (rank 13 of 435).
- Widest gap: equity / assets trails 43% of credit unions $1B-$10B in assets (rank 189 of 435).
- Overall: at or above the peer median on 7 of 7 directional measures.
Return on Assets
1.56%
Rank 30 of 435
Net Interest Margin
3.98%
Rank 57 of 435
Efficiency Ratio
65.67%
Rank 111 of 435
Equity / Assets
11.20%
Rank 189 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.56% | 0.55% | 0.81% | 1.14% | Beats 93% | 30 / 435 | | |
| Return on Equity | 13.95% | 5.12% | 7.41% | 9.70% | Beats 97% | 13 / 435 | | |
| Net Interest Margin | 3.98% | 3.01% | 3.39% | 3.75% | Beats 87% | 57 / 435 | | |
| Efficiency Ratio | 65.67% | 65.25% | 71.39% | 77.86% | Beats 75% | 111 / 435 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.18% | 0.45% | 0.69% | 1.05% | Beats 97% | 16 / 435 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.20% | 9.81% | 10.84% | 12.63% | Beats 57% | 189 / 435 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 11.20% | 9.81% | 10.84% | 12.63% | Beats 57% | 189 / 435 | | |
| Liquidity & Funding |
| Loans / Deposits | 83.84% | 78.33% | 88.38% | 95.61% | 37th pctl | 272 / 435 | | |
| Loans / Assets | 72.12% | 67.69% | 74.58% | 80.80% | 39th pctl | 265 / 435 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |