PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Hopewell

Heath, OH · Charter 15307

NCUA · 3 branches

Q2 2026

$167.9MAssets
$116.1MLoans
$153.4MShares
$13.6MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.83%, up 9 bps year over year; NIM at 3.24%.
  • Asset quality: problem loans at 0.67% of loans (+31 bps YoY).
  • Capital: net worth / assets of 8.09%, up 55 bps from a year ago.
  • Funding: loans stand at 75.66% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.83%+9 bps YoY

Net Interest Margin (quarter, annualized)

3.24%+49 bps YoY

Efficiency Ratio (quarter, annualized)

75.75%-262 bps YoY

Net Worth / Assets

8.09%+55 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.73%0.88%0.90%0.85%0.83%+9 bps
Return on Equity9.73%11.22%11.52%10.79%10.23%+50 bps
Net Interest Margin2.76%2.89%2.87%3.12%3.24%+49 bps
Efficiency Ratio78.37%75.72%75.20%75.81%75.75%-262 bps
Growth
Asset Growth (YoY)8.43%7.37%8.71%7.82%5.68%-275 bps
Loan Growth (YoY)9.37%10.99%12.56%13.12%13.63%+427 bps
Share Growth (YoY)7.62%6.97%8.35%8.14%5.03%-260 bps
Asset Quality
Delinquent Loans / Loans0.36%0.56%0.41%0.28%0.67%+31 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital7.55%7.82%7.78%7.86%8.09%+55 bps
Net Worth / Assets7.55%7.82%7.78%7.86%8.09%+55 bps
Liquidity & Funding
Loans / Shares69.93%72.70%72.25%71.72%75.66%+573 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps