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The Lender Report built this page from public records. Hanscom Credit Union has not reviewed it. Every lender's page starts this way, and it says nothing about Hanscom Credit Union itself. Each figure shows its source and date. Work at Hanscom Credit Union? You can claim this page for free.
Credit union, Hanscom AFB, MA
Hanscom Credit Union
A credit union based in Hanscom AFB, MA. Its commercial book is led by multifamily and non-owner-occupied CRE. Public files show recent multifamily, 1-4 unit investor, SBA 7(a), SBA 504 and real-estate-secured commercial loans it made.
- Kind
- Credit union
- Data as of
- June 30, 2026
- Page last changed
- November 11, 2026
- Commercial book
- $211M
- NCUA 5300,
- Holds, not loans made
- Commercial loans made, H1 2026
- 17
- NCUA 5300,
- Real-estate-secured
- SBA loans, 36 months
- 30
- SBA FOIA,
- 7(a) and 504, net of cancelled
- Total assets
- $2.18B
- NCUA 5300,
Does it fit my deal?
The deal is read here and kept nowhere. Leave out names, income and credit scores.
How to reach them
Each line shows where it came from
- Phone
- 800-656-4328 From the NCUA record, June 30, 2026.
- Website
- www.hfcu.orgFrom the NCUA record, November 9, 2026.
- Commercial lending page
- hfcu.orgFrom the lender's website, retrieved November 11, 2026.
- Names it files under
- HANSCOM; WealthTrek; HANSCOM FEDERAL CREDIT UNION; Hanscom FCUNCUA 5300,
- Address
- 1610 Eglin St, Hanscom AFB, MA 01731NCUA 5300,
- Regulator record
- NCUA profile
You generally must be a member of a credit union to borrow from it. Field of membership: Multiple common bond - primarily federal, state, local government.
Recently done
Recorded lending
Recorded lending. Two or more public files show loans this lender made.
What changed. Hanscom Credit Union recorded 17 SBA 7(a) approvals in the 12 months to September 30, 2026, versus 8 in the prior 12 months. SBA FOIA,
| When | What the record shows | Source |
|---|---|---|
| Oct 2023 to Sep 2026 | SBA 7(a) approvals by processing method: 11 SBA Express.SBA ProcessingMethod field, net of cancellations. | SBA FOIA, |
| Jun 2025 to Jun 2026 | Multifamily balance rose 21.5% to $102.4M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | NCUA 5300 |
| Jun 2025 to Jun 2026 | Non-owner-occupied CRE balance rose 81.1% to $48.7M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | NCUA 5300 |
| Jun 2025 to Jun 2026 | Owner-occupied CRE balance rose 392.8% to $35.9M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | NCUA 5300 |
Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.
| Period | Place | Loan | Amount | Rate | Term | LTV | Source |
|---|---|---|---|---|---|---|---|
| Sep 2026 | Massachusetts | SBA 7(a), Offices of Real Estate Agents and Brokers | $180K | 9.75% | 10 yr | SBA FOIA | |
| Sep 2026 | Massachusetts | SBA 7(a), School and Employee Bus Transportation | $150K | 8.75% | 10 yr | SBA FOIA | |
| Sep 2026 | Massachusetts | SBA 7(a), School and Employee Bus Transportation | $120K | 8% | 5 yr | SBA FOIA | |
| Sep 2026 | Massachusetts | SBA 7(a), Transportation and Warehousing | $75K | 8.25% | 5 yr | SBA FOIA | |
| Sep 2026 | Massachusetts | SBA 7(a), Offices of All Other Miscellaneous Health Practitioners | $30K | 8.25% | 5 yr | SBA FOIA | |
| Sep 2026 | Massachusetts | SBA 7(a), Beauty Salons | $30K | 10% | 10 yr | SBA FOIA | |
| Sep 2026 | Massachusetts | SBA 7(a), Administrative and Support and Waste Management and Remediation Services | $20K | 8.25% | 5 yr | SBA FOIA | |
| Sep 2026 | Massachusetts | SBA 7(a), Freight Transportation Arrangement | $20K | 9.75% | 5 yr | SBA FOIA | |
| Sep 2026 | Massachusetts | SBA 7(a), General Freight Trucking, Local | $13K | 8% | 7 yr | SBA FOIA | |
| Sep 2026 | Massachusetts | SBA 7(a), All Other Professional, Scientific, and Technical Services | $10K | 8.5% | 5 yr | SBA FOIA | |
| Jul 2026 | Massachusetts | SBA 7(a), Home Health Care Services | $340K | 8.25% | 10 yr | SBA FOIA | |
| Jul 2026 | New Hampshire | SBA 7(a), Portfolio Management and Investment Advice | $150K | 8.75% | 10 yr | SBA FOIA | |
| Apr 2026 | Massachusetts | SBA 7(a), All Other Amusement and Recreation Industries | $600K | 7.75% | 10 yr | SBA FOIA | |
| Apr 2026 | Massachusetts | SBA 7(a), All Other Amusement and Recreation Industries | $180K | 8.75% | 10 yr | SBA FOIA | |
| Mar 2026 | Massachusetts | SBA 7(a), School and Employee Bus Transportation | $150K | 8.75% | 10 yr | SBA FOIA | |
| Mar 2026 | Massachusetts | SBA 7(a), Clothing and Clothing Accessories Retailers | $140K | 8.75% | 10 yr | SBA FOIA | |
| Feb 2026 | Massachusetts | SBA 504, Transportation and Warehousing | $390K | 25 yr | SBA FOIA | ||
| Jan 2026 | Massachusetts | SBA 7(a), Landscaping Services | $75K | 8% | 10 yr | SBA FOIA | |
| 2025 | Essex County, MA | Refinance, 5 to 24 units | $3.3M | 5.94% | 5 yr | 69% | HMDA 2025 |
| 2025 | Middlesex County, MA | Cash-out refinance, 5 to 24 units | $1.8M | 6.63% | 5 yr | 64% | HMDA 2025 |
| 2025 | Plymouth County, MA | Purchase, 5 to 24 units | $980K | 6.88% | 10 yr | 75% | HMDA 2025 |
| 2025 | Worcester County, MA | Cash-out refinance, 5 to 24 units | $860K | 6.5% | 5 yr | 70% | HMDA 2025 |
| 2025 | Plymouth County, MA | Purchase, 5 to 24 units | $680K | 6.47% | 10 yr | 74% | HMDA 2025 |
| 2025 | Bristol County, RI | Purchase, 5 to 24 units | $560K | 6.79% | 10 yr | 74% | HMDA 2025 |
| 2025 | Providence County, RI | Purchase, 5 to 24 units | $500K | 6.88% | 10 yr | 69% | HMDA 2025 |
| 28 SBA 7(a) loans since October 2023, net of cancelled | $3.76M | SBA FOIA | |||||
A blank means the source did not report it.
What it holds
NCUA 5300, June 30, 2026
| Book | Holds | Of its loans | Year over year | Loans | Average |
|---|---|---|---|---|---|
| Multifamily | $102M | 6.1% | +21.5% | 117 | $875K |
| Construction and land development | $3.54M | 0.2% | Not reported | 10 | $354K |
| Owner-occupied CRE | $35.9M | 2.1% | +392.8% | 75 | $479K |
| Non-owner-occupied CRE | $48.7M | 2.9% | +81.1% | 53 | $918K |
| Farmland | $11.9M | 0.7% | Not reported | 44 | $271K |
| Commercial and industrial | $8.16M | 0.5% | +595.4% | 86 | $94.9K |
| Other real-estate-secured commercial | $123K | 0.0% | Not reported | Not reported | Not reported |
| Commercial total | $211M |
Table
| Quarter | Commercial book |
|---|---|
| Q3 2023 | $132M |
| Q4 2023 | $131M |
| Q1 2024 | $129M |
| Q2 2024 | $124M |
| Q3 2024 | $130M |
| Q4 2024 | $133M |
| Q1 2025 | $121M |
| Q2 2025 | $120M |
| Q3 2025 | $125M |
| Q4 2025 | $206M |
| Q1 2026 | $219M |
| Q2 2026 | $211M |
| Kind of loan | Period | Loans made | Dollars | Typical size | Largest | Source |
|---|---|---|---|---|---|---|
| Multifamily, 5 or more units | 2025 | 8 | $9.14M | $770K | $3.3M | HMDA, |
| Multifamily, 5 or more units | 2024 | 12 | $12.8M | $570K | HMDA, | |
| 1-4 unit investor or business purpose | 2025 | 38 | $10.7M | $265K | HMDA, | |
| SBA 7(a), net of cancelled | 36 months to Sep 2026 | 28 | $3.76M | $113K | $600K | SBA FOIA, |
| SBA 7(a), net of cancelled | 12 months to Sep 2026 | 17 | $2.29M | SBA FOIA, | ||
| SBA 504 first lien, net of cancelled | 36 months to Sep 2026 | 2 | $2.00M | $980K | $1.6M | SBA FOIA, |
| Real-estate-secured commercial | First half of 2026 | 17 | $22.7M | NCUA 5300, | ||
| Multifamily | First half of 2026 | 10 | $17.5M | NCUA 5300, | ||
| Construction | First half of 2026 | 2 | $3.14M | NCUA 5300, | ||
| Non-owner-occupied CRE | First half of 2026 | 4 | $1.32M | NCUA 5300, | ||
| C&I | First half of 2026 | 9 | $1.14M | NCUA 5300, |
How these public files were tied to this lender. HMDA: its legal entity identifier (LEI). SBA 7(a) loans: its NCUA charter number. SBA 504 first liens: its name and state.
| Book | Average loan |
|---|---|
| Construction and land development | $354K |
| Multifamily | $875K |
| Owner-occupied CRE | $479K |
| Non-owner-occupied CRE | $918K |
| Farmland | $271K |
| Commercial and industrial | $94.9K |
| Industry | Loans | Dollars |
|---|---|---|
| School and Employee Bus Transportation | 5 | $785K |
Programs on record: Federal Home Loan Bank member, Boston district (FHFA).
Where it lends
Offices beside loans on record
| State | Offices | Multifamily 2025 | 1-4 investor 2025 | SBA 7(a) 36 mo. | SBA 504 36 mo. |
|---|---|---|---|---|---|
| Massachusetts HQ | 15 | 5 | 27 | 23 | 1 |
| California | 1 | 0 | 0 | 1 | 0 |
| Maryland | 7 | 0 | 0 | 0 | 0 |
| Virginia | 1 | 0 | 0 | 0 | 0 |
| Rhode Island | 0 | 3 | 1 | 0 | 0 |
| Connecticut | 0 | 0 | 4 | 1 | 1 |
| New Hampshire | 0 | 0 | 2 | 1 | 0 |
| Ohio | 0 | 0 | 2 | 0 | 0 |
| Florida | 0 | 0 | 0 | 1 | 0 |
| Georgia | 0 | 0 | 1 | 0 | 0 |
| North Carolina | 0 | 0 | 1 | 0 | 0 |
| South Carolina | 0 | 0 | 0 | 1 | 0 |
| County | Recorded loans | Dollars |
|---|---|---|
| Providence County, RI | 7 | $3.77M |
| Metro | Recorded loans | Dollars |
|---|---|---|
| Providence-Warwick, RI-MA | 10 | $6.43M |
Capacity. Not a rating
Our calculation from public filings, as of June 30, 2026. Not a rating, and not a statement about safety or deposits.
| Measure | This lender | Its peers | How it is worked out | Source |
|---|---|---|---|---|
| Business loan cap | $267M | $165M to $405M across 8 peers | Estimate: the lesser of 1.75 times net worth or 12.25% of assets. Low-income designated credit unions and some others are exempt. Not a statement from the credit union. | NCUA 5300, 12 CFR 723.8, Jun 30, 2026 |
| Business loans outstanding | $228M | $71.1M to $462M across 8 peers | Net member business loans, as reported on Form 5300. | NCUA 5300, |
| Cap used | 85.5% | 32.4% to 240.4% across 8 peers | Business loans outstanding over the estimated cap. | NCUA 5300, |
| Largest single borrower | $34.2M | $19.7M to $45.5M across 8 peers | Estimate: the greater of 15% of net worth or $100,000. Not a limit the credit union has stated. | NCUA 5300, 12 CFR 723.4, Jun 30, 2026 |
| CRE to net worth | 67.9% | 15.7% to 174.8% across 8 peers | (Construction + multifamily + non-owner-occupied CRE loans) divided by net worth. Our own ratio, not a regulatory test or limit. | NCUA 5300, |
| Loans to assets | 77.2% | 68.9% to 87.0% across 8 peers | Total loans divided by total assets. | NCUA 5300, |
Estimates use the formulas in 12 CFR 723. Low-income designated credit unions and some others are exempt from the cap.
Loan channel and SBA processing
Public record only
- SBA Express
- 11 loans
- Approval to first disbursement
- 12 days, median of 17
SBA FOIA, SBA 7(a) loans, 36 months. Counted from SBA approval, not application. Lines of credit disburse fast.
Peers
Same kind of lender, similar size and book
| Lender | State | Total assets | Commercial book |
|---|---|---|---|
| Jeanne D'Arc Credit Union | MA | $2.19B | $223M |
| Workers Credit Union | MA | $2.49B | $219M |
| Webster First Credit Union | MA | $1.53B | $460M |
| Brightbridge Credit Union | MA | $2.36B | $232M |
| Greylock Credit Union | MA | $1.79B | $77.1M |
| Metro Credit Union | MA | $3.30B | $495M |
| Sharon & Crescent United Credit Union | MA | $1.40B | $125M |
| ST. Anne's Credit Union | MA | $1.35B | $247M |
What we don't know
- Whether it is taking new loans today, or on what terms.
- Who can join. A credit union lends only to its members, and field of membership decides who qualifies.
- Whether it takes brokers. No figure here means no evidence, not a refusal.
- Credit union concentration ratios here are our own calculation against net worth. They are not a regulatory test or limit. Originations are Jan-Jun 2026 year to date.
Check this page
Against the regulator's own record
- Name and charter. Hanscom Credit Union, NCUA charter 9095. Compare it with the regulator's record. [NCUA profile]
- Balances. $2.18B in total assets and $211M in commercial loans held, from the NCUA 5300 for June 30, 2026. [Source]
- Loans made. 17 real-estate-secured commercial loans made in the first half of 2026, from your NCUA Form 5300, and 88 loans in HMDA and SBA files, through September 30, 2026: 8 HMDA multifamily 2025, 12 HMDA multifamily 2024, 38 HMDA 1-4 unit investor 2025, 28 SBA 7(a) in 36 months, 2 SBA 504 first liens in 36 months. [How each file was tied to Hanscom Credit Union]
- Phone and website. Phone 800-656-4328, from the NCUA record. Website hfcu.org, from the NCUA record. [How to reach them]
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For the record
Data as of June 30, 2026. Page last changed November 11, 2026.
- Regulator
- National Credit Union Administration
- NCUA charter
- 9095
- RSSD
- 371184
- LEI
- 5493003B2LEGQHDWRN55
- The Lender Report ID
- lr_000826
- Main office county
- Middlesex
- Members
- 98,440
- NCUA region
- 1 - Eastern
NCUA credit union details,
- Reported $2.2B in total assets as of June 30, 2026 (NCUA 5300).
- Held $210.8M of commercial and commercial real estate loans as of June 30, 2026 (NCUA 5300).
- Held $102.4M of multifamily loans as of June 30, 2026, up 21.5% from a year earlier (NCUA 5300).
- Held $48.7M of non-owner-occupied commercial real estate loans as of June 30, 2026, up 81.1% from a year earlier (NCUA 5300).
- Held $35.9M of owner-occupied commercial real estate loans as of June 30, 2026, up 392.8% from a year earlier (NCUA 5300).
- Originated 8 multifamily loans totaling $9.1M in 2025 (HMDA).
8 more sentences
- Originated 12 multifamily loans totaling $12.8M in 2024 (HMDA).
- Originated 38 1-4 unit investor or business-purpose loans totaling $10.7M in 2025 (HMDA).
- Recorded 28 SBA 7(a) approvals totaling $3.8M from October 1, 2023 to September 30, 2026 (SBA).
- Provided the first lien on 2 SBA 504 projects with $2M in first-lien dollars from October 1, 2023 to September 30, 2026 (SBA).
- Originated 17 real-estate-secured commercial loans totaling $22.7M in the first half of 2026 (NCUA 5300).
- Bought $7.9M of commercial loan participations from January 1 to June 30, 2026 (NCUA 5300).
- Held $31.7M of nonmember commercial loans and participations as of June 30, 2026 (NCUA 5300).
- Listed 24 offices in 4 states (NCUA).
Cite this
Source: The Lender Report, Hanscom Credit Union, https://lender.report/lender/hanscom-credit-union-ma/, data as of June 30, 2026.
Sources
- NCUA 5300, June 30, 2026
- NCUA 5300, June 30, 2025
- HMDA, 2025
- SBA FOIA, September 30, 2026
- NCUA 5300, June 30, 2026
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Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem