HEMA
Charter #19514 · SILVER SPRING, MD · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 9.99% sits at the 20th percentile of structural peers — worth a closer look.
- Cost of funds of 0.23% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.38% sits at the 75th percentile of structural peers — worth a closer look.
- Efficiency ratio of 122.10% sits at the 97th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 27th percentile but its structural peers at the 51st — a 24-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | HEMA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $16.83M | 27th pct | 51th pct |
| Members | 1,787 | 37th pct | 54th pct |
| Net worth ratio | 9.99% | 18th pct | 20th pct |
| Return on average assets | 0.47% | 40th pct | 31th pct |
| Net interest margin | 3.16% | 21th pct | 26th pct |
| Cost of funds | 0.23% | 17th pct | 21th pct |
| Loan-to-share | 45.95% | 30th pct | 44th pct |
| Delinquency 60+ days | 0.77% | 59th pct | 67th pct |
| Net charge-off ratio | 0.38% | 67th pct | 75th pct |
| Loan growth YoY | -7.03% | 18th pct | 33th pct |
| Share growth YoY | -1.29% | 17th pct | 13th pct |
| Efficiency ratio | 122.10% | 98th pct | 97th pct |
structural peer set hash: b375c54f0e921c77bca2d94b05988286… (reproducible)
Closest structural peers
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.