TellerScore

Hema Federal Credit Union is a federal credit union headquartered in Silver Spring, Maryland, in business for about 57 years. At the end of Q2 2026 it reported $16.7M in total assets and $15.0M in member shares and deposits.

Based on its Q2 2026 filing, Hema Federal Credit Union scores 60/100, which we describe as moderate. That is higher than only 22% of 2,479 credit unions with under $100 million in assets. Among 60 credit unions headquartered in Maryland, it ranks 44th. Its strongest component is funding & liquidity (100/100; 46% loans-to-deposits, 0% uninsured), and its lowest is earnings (3/100; -0.41%).

TellerScore · Q2 2026

Scorecard

Capital cushion48/100
Net worth ratio: 9.78%
Loan quality81/100
Loans 60+ days delinquent ÷ total loans: 0.58%
Earnings3/100
Return on assets (annualized): -0.41%
Funding & liquidity100/100
Loans ÷ shares: 46.1% · 0.0% uninsured
Problem-loan coverage95/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.44%

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 fell 5 points (65 → 60), mostly because the earnings component weakened by 28 points.

TellerScore
525966Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202452
Q3 202456
Q4 202457
Q1 202558
Q2 202565
Q3 202565
Q4 202565
Q1 202666
Q2 202660
Net worth ratio
7.00%8.54%10.08%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.18%
Q3 20249.30%
Q4 20249.65%
Q1 20259.48%
Q2 20259.66%
Q3 20259.75%
Q4 202510.08%
Q1 20269.99%
Q2 20269.78%
Delinquent loans (60+ days)
0.53%0.84%1.16%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.14%
Q3 20241.04%
Q4 20241.15%
Q1 20251.16%
Q2 20250.53%
Q3 20250.60%
Q4 20250.65%
Q1 20260.77%
Q2 20260.58%
Return on assets
-0.50%-0.01%0.47%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.50%
Q3 2024-0.11%
Q4 2024-0.08%
Q1 20250.13%
Q2 20250.27%
Q3 20250.20%
Q4 20250.18%
Q1 20260.47%
Q2 2026-0.41%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202660$16.7M9.78%0.58%-0.41%46.1%
Q1 202666$16.8M9.99%0.77%0.47%46.0%
Q4 202565$16.5M10.08%0.65%0.18%49.4%
Q3 202565$17.0M9.75%0.60%0.20%48.8%
Q2 202565$17.4M9.66%0.53%0.27%47.8%
Q1 202558$17.5M9.48%1.16%0.13%45.8%
Q4 202457$17.1M9.65%1.15%-0.08%45.8%
Q3 202456$17.7M9.30%1.04%-0.11%43.3%
Q2 202452$17.7M9.18%1.14%-0.50%41.2%

2,479 peers · Under $100 million in assets

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).

Capital ratio9.78%
15th
Problem loans0.58%
55th
Net charge-offs0.09%
58th
Return on assets-0.41%
12th
Loans to deposits46.1%
69th
Uninsured deposits0.0%
81st
Loan-loss reserves0.00%
37th
Texas ratio2.4%
48th

Similar-size credit unions in Maryland

InstitutionScoreAssetsCapitalProblem loansCompare
Mncppc Federal Credit UnionCredit union College Park, MD36 out of 100, Low$16.7M11.2%6.96%vs
Capital Area Realtors Federal Credit UnionCredit union Rockville, MD50 out of 100, Below average$15.7M14.1%3.89%vs
Capital Area Taiwanese Federal Credit UnionCredit union Rockville, MD73 out of 100, Strong$12.6M11.2%0.00%vs
Thiokol Elkton Federal Credit UnionCredit union Elkton, MD83 out of 100, Strong$23.8M18.2%0.16%vs
Howard County Education Federal Credit UnionCredit union Ellicott City, MD51 out of 100, Below average$25.0M11.1%2.76%vs
Bee Federal Credit UnionCredit union Salisbury, MD58 out of 100, Moderate$7.9M21.6%2.88%vs

Deposit insurance

Is my money safe at Hema Federal Credit Union?

Yes. Hema Federal Credit Union is a federally insured credit union (NCUA charter #19514). 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 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 9.78%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

Identity & history

Profile

Legal name
Hema Federal Credit Union
Type
Federal credit union
NCUA charter #
19514
RSSD ID
887984
Primary regulator
NCUA
Established
1969
Headquarters
8701 Georgia Ave Ste 407, Silver Spring, MD 20910
Employees
2

Quick answers

Hema Federal Credit Union: common questions

Is Hema Federal Credit Union NCUA insured?

Yes. Hema Federal Credit Union is a federally insured credit union (NCUA charter #19514). 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 Hema Federal Credit Union's TellerScore?

60 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.