Hapo Community Credit Union is a federally insured state-chartered credit union headquartered in Richland, Washington, in business for about 73 years. At the end of Q2 2026 it reported $3.0B in total assets and $2.6B in member shares and deposits, with 20 offices across 2 states.
Based on its Q2 2026 filing, Hapo Community Credit Union scores 80/100, which we describe as strong. That is higher than 88% of 454 credit unions with $1 billion – $10 billion. Among 73 credit unions headquartered in Washington, it ranks 16th. Its strongest component is problem-loan coverage (97/100; 1.6%), and its lowest is capital cushion (62/100; 11.20%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 3 points (77 → 80), mostly because the capital cushion component weakened by 10 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 74 |
| Q3 2024 | 76 |
| Q4 2024 | 76 |
| Q1 2025 | 77 |
| Q2 2025 | 77 |
| Q3 2025 | 71 |
| Q4 2025 | 72 |
| Q1 2026 | 76 |
| Q2 2026 | 80 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 10.84% |
| Q3 2024 | 11.28% |
| Q4 2024 | 11.59% |
| Q1 2025 | 11.87% |
| Q2 2025 | 12.20% |
| Q3 2025 | 9.96% |
| Q4 2025 | 10.22% |
| Q1 2026 | 10.42% |
| Q2 2026 | 11.20% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.33% |
| Q3 2024 | 0.34% |
| Q4 2024 | 0.34% |
| Q1 2025 | 0.31% |
| Q2 2025 | 0.39% |
| Q3 2025 | 0.29% |
| Q4 2025 | 0.29% |
| Q1 2026 | 0.19% |
| Q2 2026 | 0.18% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.37% |
| Q3 2024 | 1.45% |
| Q4 2024 | 1.41% |
| Q1 2025 | 1.28% |
| Q2 2025 | 1.34% |
| Q3 2025 | 1.13% |
| Q4 2025 | 1.19% |
| Q1 2026 | 1.38% |
| Q2 2026 | 1.56% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 80 | $3.0B | 11.20% | 0.18% | 1.56% | 83.8% |
| Q1 2026 | 76 | $3.1B | 10.42% | 0.19% | 1.38% | 80.3% |
| Q4 2025 | 72 | $3.0B | 10.22% | 0.29% | 1.19% | 83.3% |
| Q3 2025 | 71 | $3.0B | 9.96% | 0.29% | 1.13% | 85.0% |
| Q2 2025 | 77 | $2.4B | 12.20% | 0.39% | 1.34% | 94.3% |
| Q1 2025 | 77 | $2.4B | 11.87% | 0.31% | 1.28% | 92.9% |
| Q4 2024 | 76 | $2.4B | 11.59% | 0.34% | 1.41% | 96.3% |
| Q3 2024 | 76 | $2.4B | 11.28% | 0.34% | 1.45% | 95.7% |
| Q2 2024 | 74 | $2.4B | 10.84% | 0.33% | 1.37% | 94.7% |
454 peers · $1 billion – $10 billion
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in Washington
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Harborstone Credit UnionCredit union Tacoma, WA | 52 out of 100, Below average | $3.1B | 9.3% | 1.08% | vs |
| Columbia Community Credit UnionCredit union Vancouver, WA | 76 out of 100, Strong | $2.6B | 13.3% | 0.93% | vs |
| Whatcom Educational Credit UnionCredit union Bellingham, WA | 65 out of 100, Moderate | $3.4B | 11.2% | 0.69% | vs |
| Sound Credit UnionCredit union Tacoma, WA | 63 out of 100, Moderate | $3.4B | 11.0% | 1.18% | vs |
| Kitsap Credit UnionCredit union Bremerton, WA | 54 out of 100, Below average | $2.5B | 8.3% | 0.79% | vs |
| Iq Credit UnionCredit union Vancouver, WA | 70 out of 100, Strong | $2.2B | 11.3% | 0.79% | vs |
Deposit insurance
Is my money safe at Hapo Community Credit Union?
Yes. Hapo Community Credit Union is a federally insured credit union (NCUA charter #68239). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 14.6% of shares and deposits ($375.8M) are above the $250,000 NCUA insurance limit, above the peer median of 9%. Insured balances are protected regardless of the score.
The net worth ratio is 11.20%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.
20 locations
Branches
Hapo Community Credit Union lists 20 offices in 12 cities across 2 states. Most locations:
- Kennewick, WA (4)
- Richland, WA (3)
- Yakima, WA (3)
- Pasco, WA (2)
- College Place, WA (1)
- Connell, WA (1)
- Hermiston, OR (1)
- Milwaukie, OR (1)
- Sunnyside, WA (1)
- Vancouver, WA (1)
- Walla Walla, WA (1)
- Weston, OR (1)
HMDA 2025
Mortgage lending
In 2025, Hapo Community Credit Union reported 642 home-loan applications under HMDA (LEI 54930097J3TUZXBXXE75): 340 originated ($82,660,000 total), 145 denied, and 80 withdrawn or closed by the applicant. Its denial rate on decided applications was 25.8%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Hapo Community Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 68239
- RSSD ID
- 714389
- Primary regulator
- State + NCUA
- Established
- 1953
- Headquarters
- 601 Williams Blvd, Richland, WA 99354
- Employees
- 604
Quick answers
Hapo Community Credit Union: common questions
Is Hapo Community Credit Union NCUA insured?
Yes. Hapo Community Credit Union is a federally insured credit union (NCUA charter #68239). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is Hapo Community Credit Union's TellerScore?
80 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does Hapo Community Credit Union have?
20 offices as of the latest NCUA data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Richland
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Yakima Federal Savings and Loan AssociationBank Yakima, WA | 86 out of 100, Very strong | $2.0B | 28.1% | 0.28% | vs |
| Numerica Credit UnionCredit union Spokane Valley, WA | 74 out of 100, Strong | $4.3B | 12.0% | 0.35% | vs |
| Bank of Eastern OregonBank Heppner, OR | 73 out of 100, Strong | $933.6M | 11.6% | 1.22% | vs |
| Banner BankBank Walla Walla, WA | 72 out of 100, Strong | $16.6B | 11.2% | 0.46% | vs |
| Glacier BankBank Kalispell, MT | 68 out of 100, Moderate | $31.6B | 10.1% | 0.42% | vs |
| Tri-Cities Community Federal Credit UnionCredit union Kennewick, WA | 68 out of 100, Moderate | $75.6M | 14.6% | 1.47% | vs |