credit union

Hema

Silver Spring, MD · Est. 1969
B
Trust Grade
Strong
Score: 87/100

Hema is a credit union based in Silver Spring, Maryland, established in 1969, with $17 million in total assets serving 1,787 members. By Trust Grade it ranks 43rd of 61 credit unions we track in Maryland. Its net worth ratio of 10.0% trails most similarly sized credit unions (17th percentile), versus a Maryland median of 11.9%. It was profitable over the most recent period, with a 0.47% return on assets. No consumer complaints against Hema appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.

Total assets
$16.8M
<$100M institution
Members
1,787
Shares & deposits
—
Net worth ratio
10.0%
Bottom 17% of <$100M peers · Maryland median 11.9%
Return on assets
0.5%
Bottom 43% of <$100M peers · Maryland median 0.49%
Rank in Maryland
#43
of 61 credit unions

How Hema compares to Maryland peers

Net worth ratio
Bottom 17% of <$100M peers
Hema
10.0%
Maryland median
11.9%
Higher capital ratio = stronger financial cushion
Return on assets
Bottom 43% of <$100M peers
Hema
0.5%
Maryland median
0.5%
Higher ROA = more profitable relative to asset base

How we graded Hema

The Trust Grade blends financial strength with complaint history. Full methodology →

Financial strength
87/100
Customer experience
n/a
Overall
B · 87
  • Well-capitalized (10.0% capital ratio)
  • Profitable (ROA 0.47%)
  • No CFPB complaints on record

Consumer complaints (CFPB)

No CFPB complaints are on file for Hema over the analysis window. For a smaller institution this is common and counts in its favor.

Are deposits at Hema insured?

Yes. Hema is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.

Hema: frequently asked questions

Is Hema a good credit union?

Hema earns a Bankzia Trust Grade of B (87/100, "Strong"), based on a financial-strength score of 87/100 (it has no CFPB complaints on record). Well-capitalized (10.0% capital ratio); Profitable (ROA 0.47%).

Is Hema NCUA-insured?

Yes. Hema is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.

How big is Hema?

Hema holds $17 million in total assets, ranking 43rd of 61 credit unions we track in Maryland. It serves 1,787 members.

Does Hema have CFPB complaints?

No CFPB complaints against Hema appear in our data over the analysis window, which is typical for a credit union of this size.

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Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.

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