Overview / Commentary
Hema Federal Credit Union is headquartered in Silver Spring and is the 52nd largest credit union in the state of Maryland. It is also the 3,294th largest credit union in the nation. It was established in 1969 and as of March of 2025, it had grown to 2 employees and 1,872 members at 1 location. Hema Federal Credit Union has a C+ health rating.
Field of Membership Restrictions
Hema Federal Credit Union is open to employees of MedStar Corporation, Washington Hospital Center, the Visiting Nurse Association, National Rehabilitation Hospital, and MedStar employees in the Washington DC metropolitan area.
See current membership details
Health
C+
Data as of Q1 2025
Learn why bank health mattersAdditional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Hema Federal Credit Union has a low asset base.
Health Grade Components
| Overall | |
|---|---|
| NCUA # | 19514 |
| Year Chartered | 1969 |
| Employees | 2 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.13% |
| Return on Equity - YTD | 1.39% |
| Annual Interest Income | $127K |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2025vs Q1 2024 | $17.5MM$17.7MM |
| Loans | Q1 2025vs Q1 2024 | $7.2MM$6.3MM |
| Deposits | Q1 2025vs Q1 2024 | $15.8MM$16MM |
| Equity Capital | Q1 2025vs Q1 2024 | $1.7MM$1.6MM |
| Loan Loss Allowance | Q1 2025vs Q1 2024 | $85K$83K |
| Unbacked Noncurrent Loans | Q1 2025vs Q1 2024 | $84K$78K |
| Real Estate Owned | Q1 2025vs Q1 2024 | $0$0 |