Hanscom Federal Credit Union
Hanscom Afb, MA·Charter 9095·cu:9095·Credit union RBC / net worth
- #6 of 121Total assets in Massachusetts
- Top 6%Total assets in the U.S.
- 97.3Kmembers
- #1 of 77Share growth in Massachusetts
- Top 4%Business loan growth in the U.S.
- Top 8%Loan growth in the U.S.
Performance over time
7 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
Credit union · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at Hanscom Federal Credit Union
10 of 24 FORFI signals stand out against 309 similar credit unions, based on NCUA data for the quarter.
Balances growing as membership shrinksWorth a look: Membership FORFI signal 2nd quarter-5.3%peers +1.9%-7.1 pp
Hanscom Federal Credit Union lost members faster than similar credit unions, while shares and deposits grew faster than peers.
| This institution | Peer median | Difference |
|---|---|---|
| Membership, 12-month growth | ||
| -5.3% | +1.9% | -7.1 pp |
| Shares and deposits, 12-month growth | ||
| +20.8% | +4.7% | +16.0 pp |
With internal data, FORFI would look at: Which member segments are going inactive, and how many products each active member holds.
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 309 credit unions with $1 billion to $3 billion in assets that filed NCUA data for the same quarter. Hanscom Federal Credit Union itself is left out of every peer median and percentile. How signals work
Reliance on share certificates falling while the peer median risesNotable: Funding 2nd quarter31.2%peers 28.1%+3.1 pp
Hanscom Federal Credit Union's certificates' share of shares fell 6.2 percentage points over the past year to 31.2%. Among 307 similar credit unions, the median rose 0.2 percentage points.
| This institution | Peer median | Difference |
|---|---|---|
| Certificates' share of shares | ||
| 31.2% | 28.1% | +3.1 pp |
| 12-month change | ||
| -6.2 pp | +0.2 pp | -6.5 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 309 credit unions with $1 billion to $3 billion in assets that filed NCUA data for the same quarter. Hanscom Federal Credit Union itself is left out of every peer median and percentile. How signals work
Net worth ratio falling while the peer median risesWorth a look: Capital 2nd quarter10.47%peers 10.91%-0.4 pp
Hanscom Federal Credit Union's net worth ratio fell 1.3 percentage points over the past year to 10.47%. Among 307 similar credit unions, the median rose 0.3 percentage points.
| This institution | Peer median | Difference |
|---|---|---|
| Net worth ratio | ||
| 10.47% | 10.91% | -0.4 pp |
| 12-month change | ||
| -1.3 pp | +0.3 pp | -1.6 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 309 credit unions with $1 billion to $3 billion in assets that filed NCUA data for the same quarter. Hanscom Federal Credit Union itself is left out of every peer median and percentile. How signals work
Commercial lending growing with steady creditStrength: Lending FORFI signal 2nd quarter+75.8%peers +9.6%+66.2 pp
Hanscom Federal Credit Union's member business loans grew faster than at similar credit unions, without a material rise in problem loans or net charge-offs.
| This institution | Peer median | Difference |
|---|---|---|
| Member business loans, 12-month growth | ||
| +75.8% | +9.6% | +66.2 pp |
With internal data, FORFI would look at: Which new commercial borrowers do not yet hold operating deposits or treasury services with the institution.
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 309 credit unions with $1 billion to $3 billion in assets that filed NCUA data for the same quarter. Hanscom Federal Credit Union itself is left out of every peer median and percentile. How signals work
Fee and other noninterest income among the lowest of similar credit unionsWorth a look: Earnings0.56%peers 1.24%-68 bps
Hanscom Federal Credit Union's noninterest income relative to average assets was 0.56%, compared with a median of 1.24% among 309 similar credit unions: lower than 94% of them.
| This institution | Peer median | Difference |
|---|---|---|
| Noninterest income relative to average assets | ||
| 0.56% | 1.24% | -68 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 309 credit unions with $1 billion to $3 billion in assets that filed NCUA data for the same quarter. Hanscom Federal Credit Union itself is left out of every peer median and percentile. How signals work
5 more observations
- Auto lending shrinking faster than peersLending
- Shares and deposits growing faster than peersFunding
- Membership shrinking while the peer median growsMembership
- Member business lending growing faster than peersLending
- Share and deposit costs falling faster than peersFunding
Key facts
- Hanscom Federal Credit Union is a federally chartered credit union headquartered in Hanscom Afb, Massachusetts. It reported $2.2 billion in total assets for the quarter ended June 30, 2026.
- Shares and deposits totaled $1.9 billion, up 20.8% from a year earlier, and loans totaled $1.7 billion, up 14.1%.
- Its net interest margin on average assets was 3.27% and its annualized return on assets was 0.34% for the quarter.
- Its cost of all shares and deposits was 2.00%, compared with a median of 1.66% among 309 similar credit unions with $1 billion to $3 billion in assets.
- It served 97,310 members, down 5.3% from a year earlier.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With Hanscom Federal Credit Union's own data, FORFI would look at: Which member segments are going inactive, and how many products each active member holds.
Analysis workspaces
Sources and identifiers
- Institution
- Hanscom Federal Credit Union · Credit union
- NCUA charter
- 9095
- Reporting period
- Peer group
- 309 credit unions with $1 billion to $3 billion in assets that filed NCUA data for the same quarter. Hanscom Federal Credit Union itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
NCUA · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation |
|---|---|
| $1.84M | |
| $27.46M | |
| $9.64M | |
| $17.82M | |
| $3.07M | |
| $18.5M | |
| $552.88K | |
| $539.91K | |
| 0.34% | |
| 3.27% | |
| 88.60% |
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-16T13:43:41.229347+00:00. Separate reference provenance is included in the export.