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Hapo Community

Richland, WA · Charter 68239

NCUA · 22 branches

Q2 2026

$3.0BAssets
$2.2BLoans
$2.6BShares
$334.3MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.56%, up 23 bps year over year; NIM at 3.98%.
  • Asset quality: problem loans at 0.18% of loans (-21 bps YoY).
  • Capital: net worth / assets of 11.20%, down 95 bps from a year ago.
  • Funding: loans stand at 83.84% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.56%+23 bps YoY

Net Interest Margin (quarter, annualized)

3.98%+2 bps YoY

Efficiency Ratio (quarter, annualized)

65.67%-36 bps YoY

Net Worth / Assets

11.20%-95 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.34%1.13%1.19%1.38%1.56%+23 bps
Return on Equity11.00%11.31%11.68%13.26%13.95%+294 bps
Net Interest Margin3.96%3.34%3.48%3.79%3.98%+2 bps
Efficiency Ratio66.03%67.18%67.54%67.75%65.67%-36 bps
Growth
Asset Growth (YoY)0.65%27.27%28.44%28.70%24.76%+2,412 bps
Loan Growth (YoY)0.56%17.14%15.33%14.67%15.03%+1,447 bps
Share Growth (YoY)1.00%32.01%33.33%32.65%29.41%+2,841 bps
Asset Quality
Delinquent Loans / Loans0.39%0.29%0.29%0.19%0.18%-21 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital12.15%9.96%10.22%10.42%11.20%-95 bps
Net Worth / Assets12.15%9.96%10.22%10.42%11.20%-95 bps
Liquidity & Funding
Loans / Shares94.32%84.95%83.32%80.35%83.84%-1,048 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps