# HAPO COMMUNITY
Richland, WA · NCUA charter 68239 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/hapo-community-68239

Who the members are: state charter, organized 1953, low-income designated. 213,152 members of 10,040,444 potential (2.1% of the field); checking penetration 68% (share draft accounts per 100 members); loans per 100 members 50.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $3.09B |
| Members | 213,152 (1.8% YoY) |
| Full-time staff | 580 |
| Net worth | $321.7M |
| Net worth ratio | 10.4% (p42 of band) |
| ROA (annualized) | 1.38% (p90 of band) |
| Total delinquency | 0.19% (p8 of band) |
| Net charge-offs (annualized) | 0.51% (p50 of band) |
| Loans / shares | 80% (p33 of band) |
| Cash / assets | 20.4% |
| Borrowings / assets | 2.43% |
| Net interest margin | 3.79% (p81 of band) |
| Operating expense / assets | 3.51% (p66 of band) |
| Vehicles % of loans | 47% (p87 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 88% |
| Third-party paper % of net worth | 286% (p82 of band) |
| Vehicle delinquency | 0.28% (p18 of band) |
| Vehicle NCO | 0.67% (p29 of band) |
| Repossessed % of vehicle book | 0.14% (p71 of band) |
| Real estate % of loans | 20% |
| Credit cards % of loans | 5% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 159% |
| Core shares % of member funds | 60% |
| Certificates % of member funds | 17% |
| Average share balance | $6,616 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 50% |
| Loans granted per 100 members, annualized | 11% |
| Average loan balance | $20,070 |
| Loans granted, annualized | $763.6M |

## Flags firing in the latest filing

- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 4 | thin capital, loans>95% of shares, 3rd-party paper>100% NW, auto monoline |  |
| 2016-06 | 4 |  |  |
| 2016-09 | 4 |  |  |
| 2016-12 | 4 |  |  |
| 2017-03 | 5 | delinquency rising |  |
| 2017-06 | 4 |  | delinquency rising |
| 2017-09 | 4 |  |  |
| 2017-12 | 4 |  |  |
| 2018-03 | 4 |  |  |
| 2018-06 | 4 |  |  |
| 2018-09 | 4 |  |  |
| 2018-12 | 5 | leaning on borrowings |  |
| 2019-03 | 4 |  | leaning on borrowings |
| 2019-06 | 4 |  |  |
| 2019-09 | 4 |  |  |
| 2019-12 | 4 |  |  |
| 2020-03 | 4 |  |  |
| 2020-06 | 4 | delinquency rising | loans>95% of shares |
| 2020-09 | 4 | net worth falling | delinquency rising |
| 2020-12 | 3 |  | net worth falling |
| 2021-03 | 3 |  |  |
| 2021-06 | 3 |  |  |
| 2021-09 | 3 |  |  |
| 2021-12 | 3 |  |  |
| 2022-03 | 3 |  |  |
| 2022-06 | 3 |  |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 5 | delinquency rising, loans>95% of shares |  |
| 2023-03 | 4 |  | thin capital |
| 2023-06 | 4 |  |  |
| 2023-09 | 4 | leaning on borrowings | delinquency rising |
| 2023-12 | 4 |  |  |
| 2024-03 | 4 | delinquency rising | loans>95% of shares |
| 2024-06 | 2 |  | leaning on borrowings, delinquency rising |
| 2024-09 | 3 | loans>95% of shares |  |
| 2024-12 | 3 |  |  |
| 2025-03 | 1 |  | auto monoline, loans>95% of shares |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-12-15 [HAPO's "December to Remember" gives back in a big way - Nonstop Local News](https://news.google.com/rss/articles/CBMi7gFBVV95cUxQYzBzT3ZoYUlHWkQ3b3hSdXVRRk5icjduRk1HclFXOVVCS3M2dkc1SjdCamg5aXNlazkxYjlqc1AwbHloVThYX2V2WUhrSjlaVlhuZWEwZC1uSGJwcUpUcF9GbUZ6UEs4MlpnOGxSdkJQdzJMMEluOXhCYlJ3WTh6akdfR3dFaWpKVjZnOGh1MjgzM3hPdFFKMWFEaVZZUFVPdjJRYm9DSk5ERWhOSFJwYS1fTzIyYUJYN2VMdFNyUWVRX3BZSkRfRjA0TThwWWd5MnBtS3VtblpaQTFpSlJSLWdNOVNZQzN0RXcxb1B3?oc=5) · Nonstop Local News
- 2024-04-15 [HAPO Community Credit Union - Tri-Cities Area Journal of Business](https://news.google.com/rss/articles/CBMieEFVX3lxTE9JYm5LaXlxc0dmNXVvbXlVd1A0UkdJdnF0Y3FzTHYwRGdPSjhEalMybm9IVXdUSndDNko2RFN0NmVCOXpyM3JwTGN3TDBEUjRIMzJZa3ZObkQ4WUtESHhfVW50aGhxS1ZLUlJnd3pmcVdYS21ya2JFZg?oc=5) · Tri-Cities Area Journal of Business
- 2025-03-17 [Soon-to-be 6th largest WA credit union will build $10M business hub in Kennewick - Tri-City Herald](https://news.google.com/rss/articles/CBMidEFVX3lxTE9tTnpwUHJJV29SUGRJZzBRTkpIQjVVLXBxV0hPcVpLdDJxWV9fQm1TcEFzTHVPemIxR2dNMExTVThlWTBiZ0p6aG8tWlNsREtRRE5nS2RKek5fOGRRNm90WWd0SU9GanNpYmEyUXlueHU2WVRo0gF0QVVfeXFMTVJQUTZEOUU1LW9VRE1VZlJHNXJDY0ZvV3JuNzZGOFFTLURnVS1GaVNoanVMWkp4amt1U2Jfak5zYmJTeXNPMUprWGNGMHhmR3RvRzVXcWZadFZtdVIwMVJrVlBRWVVyU0VXMExRN2dtbnFndEY?oc=5) · Tri-City Herald
- 2021-08-08 [HAPO Community Credit Union reopens Weston branch - Union-Bulletin](https://news.google.com/rss/articles/CBMi3gFBVV95cUxPdEJnZW1rUkJSckhUT0xVNC1Na3Y4LVRPeTE3Tk1waHNZOWNkNUppWUdoR1lmOE83Mk9Sb1gybWFRT21Kd0lUaU0xNklBN2tFVVVJd1cyOEtmalk0TjZRZGhtLVNVc3VEN0swWjYwdzIteElaN0dFMk1PZGREbnBucnpLQ2VzNWdra1JWMTJWSVAwckxuLWdXQ1czYTNmYVplX0FXVjJPckpaQXZhUGNJd01HT0hrRXJoSGYxbElDMzhsZHZrQWVGektnaFdIakpfSFF3eWhVRkxHdGdER3c?oc=5) · Union-Bulletin
- 2025-08-03 [HAPO prepares for $7.6 million expansion after bank acquisition - Tri-Cities Area Journal of Business](https://news.google.com/rss/articles/CBMibkFVX3lxTE1qUW5HVVIxTHNNQ1R0MDlQSXdrbk56NEdGZF96TFZyUS1YS2xhNkdpaGNyZkN6aWZtZ01uR3gwLXlsTHlaaDg5d29oTV9HeVZTYllVTnVDXzZLUi1SRDNicU5Ud20zaGxDeml1ZWRB?oc=5) · Tri-Cities Area Journal of Business
- 2014-03-25 [HAPO Community Credit Union Stuns Tri-City Area with Unique Transparent LED Video Display - PRLeap](https://news.google.com/rss/articles/CBMihgFBVV95cUxQcU55dE8tVDZxbVRDZW9qcG5CTUxRVEZiajRmNGpwX2NfWlBNNVVoRk83RzdJbF9tM3hIb1BGN2UwRy1Fb01fdFBrRlBEMmJEYTJtdHE0QWR6TFhfTWUyM184TEl4cDRsVC1aSXRQYVZpWHplWmFHNVBsNmdxNjlXUVZVbmFIUQ?oc=5) · PRLeap
- 2025-04-16 [Gesa Credit Union Review 2024 - businessinsider.com](https://news.google.com/rss/articles/CBMiiAFBVV95cUxOUGVtZzhJUHJVWHVDOVZWaEE3SV93M05SMW5xWUNTZzhxaV9sYmdLY1V3M240dVZsTS1FWkthclluRGc2OURzc3pIWWZDSXZ0Mk8yMDhXWl8xLUtPc01XenJ1U2pmLTVaeGxzNExQZzcxN2tTQmx6SUd1d0drdlc4U0FxSkoxOVhR?oc=5) · businessinsider.com
- 2025-01-01 [Hapo Community Credit Union - Nonstop Local News](https://news.google.com/rss/articles/CBMizAFBVV95cUxOYjB5ZFJZNFhEbWZxOHJhZWlKbU1ENldvQ3hLazc3N0VpdUlCUVpRZVdBYjdrSFc1WHJnUmtHdGxzUFFkYXdFN3dwbjFmdmlvSlA1ZUc4eXV3bk9wLWhTUW9HS21UenJYRlVPR1AtYUhhNm9Ca1J4aFNQbGZvU3U5empkWHF2a1RRU21wd05ZV3JrV1pBMVZiNTNFeTUwemJzUzlBay11U1JoX2E0TUIxcmdpN19DOGtSSDhZQjFLTW1pNXdjTFRvWEhEWHI?oc=5) · Nonstop Local News

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68239 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/15.json (key "68239", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=68239
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide