BlastPoint's Credit Union Scorecard

HOPEWELL CHEMICAL

Charter #16605 · VA

<100M

2508 CUs in <100M nationally 48 in VA

HOPEWELL CHEMICAL demonstrates 2 strengths

National Analysis

How does the industry compare?

VA Analysis

How does VA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 1.20% above tier average
+ Net Charge-Off Rate: Top 7.7% in tier

Key Concerns

Areas that may need attention

No key concerns identified

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
Members	3,243 -0.7% YoY-0.3% QoQ	+566	2,676 +1.6% YoY	224,534 +5.9% YoY	33,913 +5.7% YoY	71%
Assets	$54.9M +6.3% YoY+3.1% QoQ	+$24.7M	$30.2M +1.3% YoY	$3.0B +7.5% YoY	$578.3M +9.0% YoY	80%
Loans	$22.4M -2.5% YoY-1.9% QoQ	+$7.1M	$15.3M -2.0% YoY	$2.1B +5.8% YoY	$402.4M +8.7% YoY	74%
Deposits	$48.0M +5.4% YoY+3.5% QoQ	+$22.2M	$25.8M +0.7% YoY	$2.6B +7.7% YoY	$494.3M +9.1% YoY	81%

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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	1.3% +55.3% YoY+27.2% QoQ	+1.2%	0.1% -77.6% YoY	0.3% -55.0% YoY	0.4% -39.2% YoY	81%
NIM	3.5% +9.7% YoY+5.5% QoQ	-0.5%	4.0% +4.0% YoY	4.0% +3.3% YoY	3.8% +4.1% YoY	37%
Efficiency Ratio	68.2% -12.3% YoY-5.9% QoQ	-22.5%	90.6% +6.5% YoY	81.9% +0.2% YoY	84.6% +2.8% YoY	23%
Delinquency Rate	0.3% +7.4% YoY+212.9% QoQ	-1.2	1.5% +3.8% YoY	1.4% -2.1% YoY	1.2% +3.4% YoY	35%
Loan To Share	46.6% -7.5% YoY-5.2% QoQ	-11.9%	58.5% -3.0% YoY	62.9% -4.5% YoY	65.6% -1.4% YoY	31%
AMR	$21,701 +3.4% YoY+2.1% QoQ	+$7K	$14,884 -1.7% YoY	$19,100 +3.1% YoY	$19,920 +1.6% YoY	84%
CD Concentration	16.2% +17.2% YoY+0.3% QoQ	-8.1%	24.3%	18.0%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	9.4%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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 2508 peers in tier

Top Strengths (10 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

194

Net Charge-Off Rate

risk

Value: -0.15%

Peer Median: 0.07%

#194 of 2508 Top 7.7% in <100M tier

415

Average Member Relationship (AMR)

engagement

Value: $21,701

Peer Median: $13,926

#415 of 2508 Top 16.5% in <100M tier

454

Asset Growth Rate

growth

Value: 6.26%

Peer Median: 1.30%

#454 of 2508 Top 18.1% in <100M tier

478

Return on Assets (ROA)

profitability

Value: 1.35%

Peer Median: 0.61%

#478 of 2508 Top 19.0% in <100M tier

486

Total Deposits

balance_sheet

Value: $48.01M

Peer Median: $18.77M

#486 of 2508 Top 19.3% in <100M tier

504

Total Assets

balance_sheet

Value: $54.90M

Peer Median: $21.86M

#504 of 2508 Top 20.1% in <100M tier

540

Fee Income Per Member

profitability

Value: $118.62

Peer Median: $60.42

#540 of 2508 Top 21.5% in <100M tier

556

Deposit Growth Rate

growth

Value: 5.37%

Peer Median: 0.66%

#556 of 2508 Top 22.1% in <100M tier

572

Efficiency Ratio

profitability

Value: 68.15%

Peer Median: 81.45%

#572 of 2508 Top 22.8% in <100M tier

Top Weaknesses (1 metrics)

1979

Net Worth Ratio

risk

Value: 10.56%

Peer Median: 14.28%

#1979 of 2508 Bottom 21.1% in <100M tier