BlastPoint's Credit Union Scorecard
HOPEWELL
Charter #15307 · OH
HOPEWELL has 6 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 34.8% in tier
- + Organic Growth Engine: Top 48.1% in tier
- + Emerging Performer: Top 63.0% in tier
- + Wallet Share Momentum: Top 71.1% in tier
- + ROA 0.15% above tier average
- + Fee Income Per Member: Top 9.8% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 14.7% in tier
- - Credit Quality Pressure: Bottom 42.2% in tier
- - Indirect Auto Dependency: Bottom 49.7% in tier
- - Net Worth Ratio: Bottom 2.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
9,098
+3.3% YoY+0.8% QoQ
|
-6.3K |
15,437
-2.9% YoY
|
16,819
+5.2% YoY
|
33,374
+5.7% YoY
|
24% |
| Assets |
$165.9M
+8.7% YoY+4.1% QoQ
|
$-66.0M |
$231.9M
+1.3% YoY
|
$253.6M
+9.4% YoY
|
$561.6M
+9.7% YoY
|
38% |
| Loans |
$109.9M
+12.6% YoY+3.8% QoQ
|
$-37.4M |
$147.3M
-0.1% YoY
|
$173.0M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
42% |
| Deposits |
$152.1M
+8.4% YoY+4.4% QoQ
|
$-48.7M |
$200.8M
+0.8% YoY
|
$217.1M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
42% |
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| ROA |
0.9%
+97.9% YoY+4.0% QoQ
|
+0.2% |
0.8%
+18.2% YoY
|
0.4%
-22.9% YoY
|
0.7%
+15.9% YoY
|
62% |
| NIM |
2.9%
+12.4% YoY+1.1% QoQ
|
-0.7% |
3.6%
+6.7% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
16% |
| Efficiency Ratio |
75.2%
-13.1% YoY-0.7% QoQ
|
-1.8% |
77.0%
-3.1% YoY
|
82.6%
+2.4% YoY
|
79.7%
-3.3% YoY
|
41% |
| Delinquency Rate |
0.4%
+161.0% YoY-25.8% QoQ
|
-0.5 |
0.9%
+4.2% YoY
|
1.6%
+33.3% YoY
|
1.3%
-2.1% YoY
|
25% |
| Loan To Share |
72.2%
+3.9% YoY-0.6% QoQ
|
+0.0% |
72.2%
-1.1% YoY
|
63.0%
-2.6% YoY
|
67.4%
-1.7% YoY
|
46% |
| AMR |
$28,799
+6.6% YoY+3.3% QoQ
|
+$4K |
$24,676
+3.4% YoY
|
$17,423
+5.7% YoY
|
$19,687
+2.0% YoY
|
78% |
| CD Concentration |
31.4%
+3.1% YoY-0.4% QoQ
|
+7.0% | 24.4% | 19.4% | 19.8% | 50% |
| Indirect Auto % |
23.0%
+5.9% YoY-3.5% QoQ
|
+9.2% | 13.8% | 11.2% | 7.8% | 50% |
Signature Analysis
Strengths (4)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (3)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)