BlastPoint's Credit Union Scorecard

HOPEWELL

Charter #15307 · OH

100M-500M

1070 CUs in 100M-500M nationally 59 in OH

HOPEWELL has 5 strengths but faces 4 concerns

National Analysis

How does the industry compare?

OH Analysis

How does OH stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Relationship Depth Leader: Top 50.0% in tier
+ Wallet Share Momentum: Top 50.0% in tier
+ Emerging Performer: Top 50.0% in tier
+ ROA 0.12% above tier average
+ Loan Growth Rate: Top 9.3% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Net Worth Ratio: Bottom 2.9% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Members	9,120 +2.9% YoY+0.2% QoQ	-6.0K	15,145 -2.5% YoY	16,936 +6.2% YoY	33,913 +5.7% YoY	25%
Assets	$168.6M +7.8% YoY+1.7% QoQ	$-63.1M	$231.7M +0.8% YoY	$257.9M +8.7% YoY	$578.3M +9.0% YoY	38%
Loans	$110.8M +13.1% YoY+0.9% QoQ	$-33.3M	$144.1M +0.2% YoY	$174.2M +8.4% YoY	$402.4M +8.7% YoY	44%
Deposits	$154.6M +8.1% YoY+1.6% QoQ	$-46.6M	$201.1M +0.4% YoY	$221.5M +9.0% YoY	$494.3M +9.1% YoY	43%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.8% +13.3% YoY-7.1% QoQ	+0.1%	0.7% +5.1% YoY	0.6% +16.1% YoY	0.4% -39.2% YoY	61%
NIM	3.1% +16.7% YoY+6.6% QoQ	-0.5%	3.6% +4.6% YoY	3.7% +1.7% YoY	3.8% +4.1% YoY	21%
Efficiency Ratio	75.8% -4.9% YoY+0.8% QoQ	-2.2%	78.0% -1.7% YoY	82.0% -2.0% YoY	84.6% +2.8% YoY	40%
Delinquency Rate	0.3% +192.5% YoY-31.8% QoQ	-0.5	0.8% +7.1% YoY	1.4% +35.7% YoY	1.2% +3.4% YoY	20%
Loan To Share	71.7% +4.6% YoY-0.7% QoQ	+1.3%	70.4% -0.4% YoY	61.3% -2.1% YoY	65.6% -1.4% YoY	50%
AMR	$29,100 +7.0% YoY+1.0% QoQ	+$4K	$24,918 +2.7% YoY	$17,686 +5.3% YoY	$19,920 +1.6% YoY	78%
CD Concentration	30.8% +4.5% YoY-2.0% QoQ	+6.5%	24.3%	19.4%	19.8%	50%
Indirect Auto %	23.5% +7.3% YoY+2.5% QoQ	+9.7%	13.8%	11.4%	7.7%	50%

Signature Analysis

Strengths (3)

Relationship Depth Leader

growth

#75 of 257 • Top 50.0% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 7.04%

(Tier: 3.74%, National: 6.36%)

better than tier avg

Share Draft per Member: $2.8K

(Tier: $3.0K, National: $2.1K)

but worse than tier avg

257 of 1070 Mid-Small & Community CUs have this signature | 342 nationally

↑ Growing +27 CUs YoY | New qualifier

Wallet Share Momentum

growth

#274 of 491 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 7.04%

(Tier: 3.74%, National: 6.36%)

better than tier avg

491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally

↑ Growing +107 CUs YoY | Rank worsening

Emerging Performer

growth

#109 of 157 • Top 50.0% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 0.85%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Member Growth (YoY): 2.92%

(Tier: 0.72%, National: 10.19%)

better than tier avg

157 of 1070 Mid-Small & Community CUs have this signature | 260 nationally

→ No prior data (157 CUs now) | New qualifier

Concerns (3)

Credit Risk Growth

risk

#84 of 476 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 13.12%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.19% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

→ No prior data (476 CUs now) | New qualifier

Credit Quality Pressure

risk

#350 of 727 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.19% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#246 of 504 • Bottom 50.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 7.82%

(Tier: 4.68%, National: 1663.40%)

but better than tier avg

Indirect Auto %: 23.54%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 2.92%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY | Rank improving

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Compare against:

Comparing against 1070 peers in tier

Top Strengths (8 metrics)

100

Loan Growth Rate

growth

Value: 13.12%

Peer Median: 2.93%

#100 of 1070 Top 9.3% in 100M-500M tier

176

Deposit Growth Rate

growth

Value: 8.14%

Peer Median: 3.30%

#176 of 1070 Top 16.4% in 100M-500M tier

206

Asset Growth Rate

growth

Value: 7.82%

Peer Median: 3.91%

#206 of 1070 Top 19.2% in 100M-500M tier

210

AMR Growth Rate

growth

Value: 7.04%

Peer Median: 3.46%

#210 of 1070 Top 19.5% in 100M-500M tier

217

Member Growth Rate

growth

Value: 2.92%

Peer Median: -0.06%

#217 of 1070 Top 20.2% in 100M-500M tier

220

Total Delinquency Rate (60+ days)

risk

Value: 0.28%

Peer Median: 0.61%

#220 of 1070 Top 20.5% in 100M-500M tier

235

Average Member Relationship (AMR)

engagement

Value: $29,100

Peer Median: $22,931

#235 of 1070 Top 21.9% in 100M-500M tier

250

Loan-to-Member Ratio (LMR)

engagement

Value: $12,154

Peer Median: $9,356

#250 of 1070 Top 23.3% in 100M-500M tier

Top Weaknesses (4 metrics)

1040

Net Worth Ratio

risk

Value: 7.86%

Peer Median: 11.45%

#1040 of 1070 Bottom 2.9% in 100M-500M tier

905

Members Per Employee (MPE)

engagement

Value: 240.000

Peer Median: 309.176

#905 of 1070 Bottom 15.5% in 100M-500M tier

848

Net Interest Margin (NIM)

profitability

Value: 3.12%

Peer Median: 3.62%

#848 of 1070 Bottom 20.8% in 100M-500M tier

831

Indirect Auto Concentration (%)

balance_sheet

Value: 23.54%

Peer Median: 6.61%

#831 of 1070 Bottom 22.4% in 100M-500M tier