BlastPoint's Credit Union Scorecard
HOPEWELL
Charter #15307 · OH
HOPEWELL has 4 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 25.2% in tier
- + Wallet Share Momentum: Top 61.2% in tier
- + Emerging Performer: Top 90.0% in tier
- + ROA 0.09% above tier average
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 3.0% in tier
- - Credit Quality Pressure: Bottom 8.4% in tier
- - Indirect Auto Dependency: Bottom 13.5% in tier
- - Net Worth Ratio: Bottom 3.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
9,027
+1.7% YoY+1.2% QoQ
|
-6.6K |
15,628
-3.4% YoY
|
16,553
+5.8% YoY
|
33,089
+6.1% YoY
|
23% |
| Assets |
$159.4M
+7.4% YoY+0.3% QoQ
|
$-71.9M |
$231.3M
-0.0% YoY
|
$245.2M
+8.8% YoY
|
$547.7M
+7.8% YoY
|
34% |
| Loans |
$105.9M
+11.0% YoY+3.7% QoQ
|
$-41.9M |
$147.8M
-1.4% YoY
|
$170.6M
+8.7% YoY
|
$388.7M
+8.6% YoY
|
38% |
| Deposits |
$145.7M
+7.0% YoY-0.3% QoQ
|
$-54.6M |
$200.3M
-0.0% YoY
|
$209.1M
+9.7% YoY
|
$464.6M
+9.3% YoY
|
39% |
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| ROA |
0.9%
+83.4% YoY+18.8% QoQ
|
+0.1% |
0.8%
+15.5% YoY
|
0.5%
-7.3% YoY
|
0.7%
+273.4% YoY
|
58% |
| NIM |
2.9%
+9.5% YoY+4.1% QoQ
|
-0.7% |
3.6%
+6.9% YoY
|
3.7%
+3.3% YoY
|
3.7%
+5.0% YoY
|
16% |
| Efficiency Ratio |
75.7%
-12.1% YoY-3.4% QoQ
|
-1.6% |
77.3%
-3.0% YoY
|
83.9%
+3.6% YoY
|
79.1%
-3.3% YoY
|
45% |
| Delinquency Rate |
0.6%
+198.2% YoY+56.7% QoQ
|
-0.3 |
0.9%
+7.6% YoY
|
1.5%
+29.9% YoY
|
1.2%
-0.9% YoY
|
42% |
| Loan To Share |
72.7%
+3.8% YoY+4.0% QoQ
|
+0.0% |
72.7%
-1.5% YoY
|
63.8%
-2.4% YoY
|
68.0%
-1.7% YoY
|
46% |
| AMR |
$27,872
+6.8% YoY+0.2% QoQ
|
+$4K |
$24,363
+2.9% YoY
|
$17,099
+5.9% YoY
|
$19,418
+1.3% YoY
|
76% |
| CD Concentration |
31.5%
+7.2% YoY+5.9% QoQ
|
+7.1% |
24.4%
+4.2% YoY
|
19.2%
+8.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
23.8%
+12.2% YoY+3.0% QoQ
|
+9.8% |
14.0%
-5.7% YoY
|
11.2%
-0.8% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (3)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
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)