Credit union · NCUA insured
HCP Credit Union
A $39.4M credit union headquartered in Richmond, IN, with 3,280 members and 2 branches in Indiana. Best rates: CDs 3.75% and savings 0.25% APY.
HCP Credit Union Carrot Score
76
Carrot Score
Higher than 42% of U.S. banks and credit unions
#5 of 9 in Richmond, IN metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About HCP Credit Union
Opened in 1975 specifically to serve Reid Health employees, Health Care Professionals Federal Credit Union is a member-owned, not-for-profit financial cooperative.
Headquartered with its main branch in Richmond, Indiana, the credit union also operates a branch in Connersville, Indiana.
- Headquarters
- 1810 Williamsburg Pike, Richmond, IN 47374
- NCUA charter
- 22213
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Anyone who works in the health care profession in Wayne, Fayette, Rush, Henry, Union, Franklin, or Randolph County, IN, or Darke or Preble County, OH is eligible to join.
Family and household
- Members of the household of current credit union members are eligible to join.
- Immediate family members (spouses, children, siblings, parents, grandparents, grandchildren, stepparents, stepchildren, and adopted relations) of current credit union members are eligible to join.
Branches
2 branches in Indiana
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Indiana
2 branches
Richmond area · 1
- HCPFCU - Main OfficeMain office1810 Williamsburg Pike, Richmond, IN 47374Directions
Connersville area · 1
- Connersville Branch1941 Virginia Ave, Connersville, IN 47331Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 18.61% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.00% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.65% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $63 | $59 | — |
- CapitalNet worth ratio18.61%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.00%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.65%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$63Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of HCP Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.