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Hopewell Chemical

Hopewell, VA · Charter 16605

NCUA · 3 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the Richmond, VA area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Credit unions under $1B in assets in the Richmond, VA area (n=16). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

44

Q2 2024Q2 2026peer median (50)

Asset Quality

94

Q2 2024Q2 2026peer median (50)

Profitability

29

Q2 2024Q2 2026peer median (50)

Liquidity

24

Q2 2024Q2 2026peer median

Efficiency

87

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Hopewell Chemical

Hopewell, VA · Charter 16605

NCUA · 3 branches

Q2 2026

$55.6MAssets
$22.0MLoans
$48.5MShares
$6.0MNet 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 0.51%, down 51 bps year over year; NIM at 3.62%.
  • Asset quality: problem loans at 0.31% of loans (-15 bps YoY).
  • Capital: net worth / assets of 10.81%, up 49 bps from a year ago.
  • Funding: loans stand at 45.40% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.51%-51 bps YoY

Net Interest Margin (YTD, annualized)

3.62%+42 bps YoY

Efficiency Ratio (YTD, annualized)

66.96%-729 bps YoY

Net Worth / Assets

10.81%+49 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.01%1.02%1.05%1.35%0.51%-51 bps
Return on Equity9.83%9.78%9.97%12.76%4.71%-512 bps
Net Interest Margin3.20%3.26%3.32%3.53%3.62%+42 bps
Efficiency Ratio74.25%73.01%72.40%68.15%66.96%-729 bps
Growth
Asset Growth (YoY)-0.19%2.71%4.95%6.26%8.00%+819 bps
Loan Growth (YoY)-0.49%-4.98%-4.57%-2.53%-5.85%-536 bps
Share Growth (YoY)-1.15%2.01%3.69%5.37%7.46%+861 bps
Asset Quality
Delinquent Loans / Loans0.46%0.30%0.10%0.31%0.31%-15 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 Capital10.32%10.43%10.54%10.56%10.81%+49 bps
Net Worth / Assets10.32%10.43%10.54%10.56%10.81%+49 bps
Liquidity & Funding
Loans / Shares51.82%49.72%49.17%46.60%45.40%-642 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Hopewell Chemical

Hopewell, VA · Charter 16605 · Peer group: credit unions under $1B in assets in the Richmond, VA area (n=16)

NCUA · 3 branches

Q2 2026

$55.6MAssets
$22.0MLoans
$48.5MShares
$6.0MNet Worth

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 94% of credit unions under $1B in assets in the Richmond, VA area (rank 2 of 16).
  • Widest gap: return on assets trails 75% of credit unions under $1B in assets in the Richmond, VA area (rank 12 of 16).
  • Overall: at or above the peer median on 2 of 7 directional measures.

Return on Assets

0.51%

Rank 12 of 16

Net Interest Margin

3.62%

Rank 11 of 16

Efficiency Ratio

67.00%

Rank 3 of 16

Equity / Assets

10.81%

Rank 9 of 16

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.51%0.51%0.86%1.14%Beats 25%12 / 16
Return on Equity4.72%2.74%6.89%10.47%Beats 31%11 / 16
Net Interest Margin3.62%3.59%3.78%5.26%Beats 31%11 / 16
Efficiency Ratio67.00%72.78%78.57%80.89%Beats 87%3 / 16
Asset Quality
Nonperforming Loans / Loans0.30%0.60%1.42%1.93%Beats 94%2 / 16
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio10.81%10.18%10.87%18.48%Beats 44%9 / 16
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets10.81%10.18%10.87%18.48%Beats 44%9 / 16
Liquidity & Funding
Loans / Deposits45.40%55.40%64.78%71.88%13th pctl14 / 16
Loans / Assets39.60%48.81%51.73%64.39%13th pctl14 / 16
Brokered Deposits / Depositsn/aNot reported for this institution