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The Lender Report built this page from public records. Hapo Community Credit Union has not reviewed it. Every lender's page starts this way, and it says nothing about Hapo Community Credit Union itself. Each figure shows its source and date. Work at Hapo Community Credit Union? You can claim this page for free.
Credit union, Richland, WA
Hapo Community Credit Union
A credit union based in Richland, WA. Its commercial book is led by non-owner-occupied CRE and owner-occupied CRE. Public files show recent 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
- $523M
- NCUA 5300,
- Holds, not loans made
- Commercial loans made, H1 2026
- 32
- NCUA 5300,
- Real-estate-secured
- SBA loans, 36 months
- 18
- SBA FOIA,
- 7(a) and 504, net of cancelled
- Total assets
- $2.99B
- 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
- 509-943-5676 From the NCUA record, June 30, 2026.
- Website
- www.hapo.orgFrom the NCUA record, November 9, 2026.
- Commercial lending page
- hapo.orgFrom the lender's website, retrieved November 11, 2026.
- Names it files under
- HAPO COMMUNITY; HAPO; HAPO Mortgage; HAPO DirectNCUA 5300,
- Address
- 601 Williams Blvd, Richland, WA 99354NCUA 5300,
- Regulator record
- NCUA profile
You generally must be a member of a credit union to borrow from it. Field of membership: Non-Federal Credit Union. Designated low-income by NCUA.
Recently done
Recorded lending
Recorded lending. Two or more public files show loans this lender made.
What changed. Hapo Community Credit Union's Non-owner-occupied CRE balance rose 21.6% to $207.8M in the quarter ended June 30, 2026. NCUA 5300,
| When | What the record shows | Source |
|---|---|---|
| Oct 2023 to Sep 2026 | SBA 7(a) approvals by processing method: 14 SBA Express.SBA ProcessingMethod field, net of cancellations. | SBA FOIA, |
| Jun 2025 to Jun 2026 | Non-owner-occupied CRE balance rose 201.1% to $207.8M 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 43.5% to $175.2M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | NCUA 5300 |
| Jun 2025 to Jun 2026 | Construction and land development balance rose 72.1% to $56M 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 |
|---|---|---|---|---|---|---|---|
| Jun 2026 | Washington | SBA 7(a), Retail Bakeries | $760K | 7.25% | 10 yr | SBA FOIA | |
| Mar 2026 | Washington | SBA 7(a), Fine Arts Schools | $30K | 8.75% | 1 yr | SBA FOIA | |
| Mar 2026 | Washington | SBA 7(a), Fine Arts Schools | $30K | 9% | 5 yr | SBA FOIA | |
| Apr 2025 | Washington | SBA 7(a), Manufacturing | $80K | 9.5% | 2 yr | SBA FOIA | |
| Mar 2025 | Washington | SBA 504, Offices of Physicians (except Mental Health Specialists) | $780K | 25 yr | SBA FOIA | ||
| Feb 2025 | Washington | SBA 7(a), Residential Remodelers | $75K | 8.5% | 7 yr | SBA FOIA | |
| Sep 2024 | Washington | SBA 7(a), Other Personal and Household Goods Repair and Maintenance | $50K | 9.5% | 5 yr | SBA FOIA | |
| Aug 2024 | Washington | SBA 7(a), General Automotive Repair | $400K | 8.25% | 10 yr | SBA FOIA | |
| May 2024 | Washington | SBA 7(a), Commercial and Institutional Building Construction | $35K | 8.5% | 5 yr | SBA FOIA | |
| May 2024 | Washington | SBA 7(a), Commercial and Institutional Building Construction | $30K | 6.5% | 5 yr | SBA FOIA | |
| May 2024 | Washington | SBA 7(a), Commercial and Institutional Building Construction | $30K | 6.5% | 5 yr | SBA FOIA | |
| May 2024 | Washington | SBA 7(a), Commercial and Institutional Building Construction | $30K | 6.5% | 5 yr | SBA FOIA | |
| Apr 2024 | Washington | SBA 504, Offices of Dentists | $1.8M | 25 yr | SBA FOIA | ||
| Mar 2024 | Washington | SBA 7(a), Commercial and Institutional Building Construction | $40K | 8.5% | 5 yr | SBA FOIA | |
| Dec 2023 | Washington | SBA 7(a), All Other Specialty Trade Contractors | $75K | 9.5% | 4 yr | SBA FOIA | |
| Nov 2023 | Washington | SBA 7(a), Site Preparation Contractors | $500K | 10% | 7 yr | SBA FOIA | |
| Nov 2023 | Washington | SBA 7(a), Coffee and Tea Manufacturing | $52K | 9% | 5 yr | SBA FOIA | |
| 15 SBA 7(a) loans since October 2023, net of cancelled | $2.22M | 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 | $47.8M | 2.2% | +25.3% | 23 | $2.08M |
| Construction and land development | $56.0M | 2.6% | +72.1% | 51 | $1.10M |
| Owner-occupied CRE | $175M | 8.1% | +43.5% | 203 | $863K |
| Non-owner-occupied CRE | $208M | 9.7% | +201.1% | 207 | $1.00M |
| Farmland | $6.93M | 0.3% | Not reported | 12 | $578K |
| Commercial and industrial | $29.2M | 1.4% | +606.5% | 143 | $204K |
| Other real-estate-secured commercial | $0 | 0.0% | Not reported | Not reported | Not reported |
| Commercial total | $523M |
Table
| Quarter | Commercial book |
|---|---|
| Q3 2023 | $170M |
| Q4 2023 | $177M |
| Q1 2024 | $185M |
| Q2 2024 | $193M |
| Q3 2024 | $220M |
| Q4 2024 | $233M |
| Q1 2025 | $248M |
| Q2 2025 | $266M |
| Q3 2025 | $530M |
| Q4 2025 | $515M |
| Q1 2026 | $510M |
| Q2 2026 | $523M |
| Kind of loan | Period | Loans made | Dollars | Typical size | Largest | Source |
|---|---|---|---|---|---|---|
| 1-4 unit investor or business purpose | 2025 | 10 | $2.03M | $195K | HMDA, | |
| SBA 7(a), net of cancelled | 36 months to Sep 2026 | 15 | $2.22M | $50.0K | $760K | SBA FOIA, |
| SBA 7(a), net of cancelled | 12 months to Sep 2026 | 3 | $820K | SBA FOIA, | ||
| SBA 504 first lien, net of cancelled | 36 months to Sep 2026 | 3 | $3.50M | $980K | $1.8M | SBA FOIA, |
| Real-estate-secured commercial | First half of 2026 | 32 | $39.8M | NCUA 5300, | ||
| Construction | First half of 2026 | 11 | $12.0M | NCUA 5300, | ||
| Owner-occupied CRE | First half of 2026 | 12 | $18.8M | NCUA 5300, | ||
| Non-owner-occupied CRE | First half of 2026 | 9 | $9.02M | NCUA 5300, | ||
| C&I | First half of 2026 | 9 | $3.67M | 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 | $1.10M |
| Multifamily | $2.08M |
| Owner-occupied CRE | $863K |
| Non-owner-occupied CRE | $1.00M |
| Farmland | $578K |
| Commercial and industrial | $204K |
| Industry | Loans | Dollars |
|---|---|---|
| Commercial and Institutional Building Construction | 5 | $165K |
Other lenders in these fields: SBA lenders for construction trades.
Programs on record: Federal Home Loan Bank member, Des Moines 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. |
|---|---|---|---|---|---|
| Washington HQ | 22 | 0 | 9 | 15 | 3 |
| Oregon | 4 | 0 | 1 | 0 | 0 |
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 | $366M | $224M to $836M 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 | $573M | $60.5M to $1.58B across 8 peers | Net member business loans, as reported on Form 5300. | NCUA 5300, |
| Cap used | 156.8% | 25.1% to 299.3% across 8 peers | Business loans outstanding over the estimated cap. This credit union is designated low-income by NCUA and is exempt from the cap. | NCUA 5300, |
| Largest single borrower | $50.1M | $31.4M to $95.3M 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 | 93.2% | 9.9% to 225.3% 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 | 72.1% | 69.9% to 81.6% 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
- 14 loans
- Approval to first disbursement
- 7 days, median of 14
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 |
|---|---|---|---|
| Harborstone Credit Union | WA | $3.13B | $673M |
| Kitsap Credit Union | WA | $2.51B | $86.5M |
| Columbia Community Credit Union | WA | $2.59B | $569M |
| Sound Credit Union | WA | $3.40B | $879M |
| Numerica Credit Union | WA | $4.32B | $1.43B |
| Horizon Credit Union | WA | $1.97B | $57.7M |
| Fibre Credit Union | WA | $1.82B | $178M |
| GESA Credit Union | WA | $6.82B | $1.34B |
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 makes multifamily loans. No HMDA multifamily loans are on file under this name for 2024 or 2025.
- 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.
- Combines this filer's call report with HMDA or SBA figures reported under another name or LEI of the same institution.
Check this page
Against the regulator's own record
- Name and charter. Hapo Community Credit Union, NCUA charter 68239. Compare it with the regulator's record. [NCUA profile]
- Balances. $2.99B in total assets and $523M in commercial loans held, from the NCUA 5300 for June 30, 2026. [Source]
- Loans made. 32 real-estate-secured commercial loans made in the first half of 2026, from your NCUA Form 5300, and 28 loans in HMDA and SBA files, through September 30, 2026: 10 HMDA 1-4 unit investor 2025, 15 SBA 7(a) in 36 months, 3 SBA 504 first liens in 36 months. [How each file was tied to Hapo Community Credit Union]
- Phone and website. Phone 509-943-5676, from the NCUA record. Website hapo.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
- NCUA and state regulator
- NCUA charter
- 68239
- RSSD
- 714389
- LEI
- 54930097J3TUZXBXXE75
- The Lender Report ID
- lr_000610
- Main office county
- Benton
- Members
- 213,194
- NCUA region
- 3 - Western
NCUA credit union details,
- Reported $3B in total assets as of June 30, 2026 (NCUA 5300).
- Held $522.9M of commercial and commercial real estate loans as of June 30, 2026 (NCUA 5300).
- Held $207.8M of non-owner-occupied commercial real estate loans as of June 30, 2026, up 201.1% from a year earlier (NCUA 5300).
- Held $175.2M of owner-occupied commercial real estate loans as of June 30, 2026, up 43.5% from a year earlier (NCUA 5300).
- Held $56M of construction and land loans as of June 30, 2026, up 72.1% from a year earlier (NCUA 5300).
- Originated 10 1-4 unit investor or business-purpose loans totaling $2M in 2025 (HMDA).
4 more sentences
- Recorded 16 SBA 7(a) approvals totaling $2.2M from October 1, 2023 to September 30, 2026, of which 1 was later cancelled (SBA).
- Provided the first lien on 4 SBA 504 projects with $5M in first-lien dollars from October 1, 2023 to September 30, 2026, of which 1 was later cancelled (SBA).
- Originated 32 real-estate-secured commercial loans totaling $39.8M in the first half of 2026 (NCUA 5300).
- Listed 26 offices in 2 states (NCUA).
Cite this
Source: The Lender Report, Hapo Community Credit Union, https://lender.report/lender/hapo-community-credit-union-wa/, 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
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.
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Work at Hapo Community Credit Union? Claim this page, free.
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