HAPO COMMUNITY
Charter #68239 · Richland, WA · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.39% ranks in the 93rd percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.19% ranks in the 3rd percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.50% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 67.75% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
- On Net charge-off ratio, the asset-size band puts this credit union at the 48th percentile but its structural peers at the 20th — a 29-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 | HAPO COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $3.09B | 66th pct | 72th pct |
| Members | 213,152 | 74th pct | 74th pct |
| Net worth ratio | 10.42% | 41th pct | 51th pct |
| Return on average assets | 1.39% | 89th pct | 93th pct |
| Net interest margin | 3.82% | 81th pct | 67th pct |
| Cost of funds | 1.32% | 30th pct | 30th pct |
| Loan-to-share | 80.35% | 33th pct | 38th pct |
| Delinquency 60+ days | 0.19% | 7th pct | 3th pct |
| Net charge-off ratio | 0.50% | 48th pct | 20th pct |
| Loan growth YoY | -2.90% | 4th pct | 0th pct |
| Share growth YoY | 2.67% | 25th pct | 26th pct |
| Efficiency ratio | 67.75% | 32th pct | 18th pct |
structural peer set hash: 6a68928373f9d5f4a69aef3313f79ed0… (reproducible)
Closest structural peers
This is the free public view
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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.