# HOPEWELL
Heath, OH · NCUA charter 15307 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/hopewell-15307

Who the members are: federal charter, community charter, organized 1962, low-income designated. 9,120 members of 1,779,167 potential (0.5% of the field); checking penetration 64% (share draft accounts per 100 members); loans per 100 members 60.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $168.6M |
| Members | 9,120 (2.9% YoY) |
| Full-time staff | 27 |
| Net worth | $13.3M |
| Net worth ratio | 7.9% (p4 of band) |
| ROA (annualized) | 0.85% (p60 of band) |
| Total delinquency | 0.28% (p21 of band) |
| Net charge-offs (annualized) | 0.34% (p50 of band) |
| Loans / shares | 72% (p54 of band) |
| Cash / assets | 14.2% |
| Borrowings / assets | 0.59% |
| Net interest margin | 3.12% (p20 of band) |
| Operating expense / assets | 3.15% (p31 of band) |
| Vehicles % of loans | 31% (p39 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 76% |
| Third-party paper % of net worth | 201% (p85 of band) |
| Vehicle delinquency | 0.22% (p24 of band) |
| Vehicle NCO | 0.71% (p61 of band) |
| Repossessed % of vehicle book | 0.04% (p70 of band) |
| Real estate % of loans | 41% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 118% |
| Core shares % of member funds | 48% |
| Certificates % of member funds | 31% |
| Average share balance | $8,163 |
| Participations bought / yr | $2.5M |
| Participations sold / yr | $38,448 |
| Participations outstanding | $16.9M |
| Loans outstanding per 100 members | 60% |
| Loans granted per 100 members, annualized | 14% |
| Average loan balance | $20,142 |
| Loans granted, annualized | $55.4M |

## Participation posture (from the same filings)

Bought $2.5M and sold $38,448 in the latest annualized quarter; $16.9M outstanding purchased (127.2% of net worth), $444,550 sold and retained. Sold in 8 and bought in 8 of the last 8 quarters. Shares 8.1% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **delinquency rising** (`aq_dq_rising`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | thin capital, losing money |  |
| 2016-06 | 1 |  | losing money |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 3 | net worth falling, 3rd-party paper>100% NW |  |
| 2017-06 | 3 | delinquency rising | net worth falling |
| 2017-09 | 3 | repo signal | delinquency rising |
| 2017-12 | 3 | net worth falling | repo signal |
| 2018-03 | 3 |  |  |
| 2018-06 | 2 |  | net worth falling |
| 2018-09 | 2 |  |  |
| 2018-12 | 3 | net worth falling |  |
| 2019-03 | 2 |  | net worth falling |
| 2019-06 | 2 |  |  |
| 2019-09 | 3 | net worth falling |  |
| 2019-12 | 4 | delinquency rising |  |
| 2020-03 | 7 | losing money, margin squeeze, repo signal |  |
| 2020-06 | 4 |  | delinquency rising, losing money, repo signal |
| 2020-09 | 2 |  | net worth falling, margin squeeze |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 | net worth falling | 3rd-party paper>100% NW |
| 2021-06 | 1 |  | net worth falling |
| 2021-09 | 5 | capital below 7%, losing money, 3rd-party paper>100% NW |  |
| 2021-12 | 4 |  | losing money |
| 2022-03 | 4 |  |  |
| 2022-06 | 2 |  | capital below 7% |
| 2022-09 | 2 |  |  |
| 2022-12 | 3 | delinquency rising |  |
| 2023-03 | 3 |  |  |
| 2023-06 | 3 |  |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 3 | net worth falling | delinquency rising |
| 2024-03 | 2 |  | net worth falling |
| 2024-06 | 2 |  |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 3 | delinquency rising |  |
| 2025-06 | 3 |  |  |
| 2025-09 | 3 |  |  |
| 2025-12 | 3 |  |  |
| 2026-03 | 3 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2022-04-25 [Hopewell Federal Credit Union continues to grow its team - CUInsight](https://news.google.com/rss/articles/CBMingFBVV95cUxQd2FoZ0lxNklBaTRtM3BsV2RlNldieDRfMzFTTC1pZGdmYmtVRXl6ZW11eE11QndKaTRHOFdiQmpTMkJKaDg0WGpmc1I5NUtla3Brd3phZWdpRGU2Q09sbW9JNHZtN0hfMEwzaU5RRnZPRXUzMEEwSGxtTXJ5T0swQkUzbjJua0pHMXBESUJ2TzBGUkNzQ01XMVlxT0dLZw?oc=5) · CUInsight
- 2018-06-23 [CEO Profile – Jim Johnson, Hopewell Federal - newarkadvocate.com](https://news.google.com/rss/articles/CBMiqAFBVV95cUxPLWRaSFhtSFJwOHJyV0NkZFZHbEdTV3BaZ1dBVGVEdUpKaDBsaW5PaWppRFlNMHJOVHlmR2lmeU83d3RwNmZ1TEx0dmprbW1QeGE3UlhTNjBMMTZvMFJtUUFtT09mQk1rYUVRc2pVX21uMmFDN3kzWWUzbXNIeTVWTW1oRnlOSjFza2hQck10N3ZSc1FnN3dmWHpDekRBQkplZjRmU2xoeW0?oc=5) · newarkadvocate.com
- 2017-08-08 [Focus on service: revamping the teller line - American Banker](https://news.google.com/rss/articles/CBMilgFBVV95cUxQNVdXaUNwU2Z6WHFxVzE3RXBFempIeWJBWUZEdHY4enB1SEVtUERFWHQ0Mkx5THNfUG9fQWhPUmpPQ29SMDNSbnVNMTB2RTFtSUZQU204YzNNWVJsTFU2cXI2MjlKeVNrS1BuMU40dEZFN1M2a2JIcFZTSHlBd1lYdS1FeEw2ZTNCck9jVUZCU0tmWHhkNGc?oc=5) · American Banker
- 2023-01-06 [Audra Johns joins Hopewell FCU as Marketing and Business Development Director - CUInsight](https://news.google.com/rss/articles/CBMiugFBVV95cUxPZjl0c0toWkROOWNrcWstcXhrNDlqb0tUNDlvRktWM1RnZHVjUWhjWC05dnM0TzFxOVM3cVc5MTFpODFxNXA4ZmI2MFJ1MnotMElYNExYWDJfNzExUXhJZEpfNEpxYU1NUDlSU3dfcG94OXFIdC13V1BPdU9DZHVIU3RMQnFIcXlZbEhjT0VEN21CZTNiZEJlaVVvSWEweC1USUo3dVFnN2VXN1BNLXRjY1NyVmczVnZZZmc?oc=5) · CUInsight
- 2021-02-20 [Wright-Patt Credit Union adding new branches in Columbus suburbs - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxOVUp2T1B0OG1IMGRnSnJVZEg4elNnVzBwMm1QWV9XcU1Od1dGYU1OTGJkMTJ1bGoyN1htX1UzVklIczJsUExqNFNQdWhrLWk4Wkttd2cwZ21pQ1NxNEhJR3RpLUZOVnE1alZpVVQ0VzBBdGYzNnZFcUtrcVNYZHJEVnZHYXNvSGxFZGYwdV80N0k4M19SQ1JhaEx2WGE5SkxmY1BiWFJzdFNWMm8?oc=5) · The Business Journals
- 2025-12-15 [Rob surprises Hopewell teacher who saved her student's life: 'I did what anybody would do' - wtvr.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxPU2htRHp4U0hFV09NRzMzdW5jRTJvS2FLVVhMaWxtYko3MnlOM0VweE5rM0pkZzg2MV9aTlFYdmhwRGcxR3JxNGFtOXBVTXBVME9sUEtfYkwyc1FKRlpSYVFjX1l6c1F5TUc5Mms1dFhWbHVjNWhPa2JlcDZ6SjVSdg?oc=5) · wtvr.com
- 2021-03-05 [Verity, Simplicity and other credit unions name new CEOs - American Banker](https://news.google.com/rss/articles/CBMipwFBVV95cUxON0JITVMzbWZON2taVmctNlhCTlhiZU15WjNURDFNRnBIcXB5WHk4blZKS1I1Qm15bXdaeUk1c0I4YmM4WXBvN2tzSnBSbVhFa28xNjRiSHNfS0VJNl9ZSXJHdDdja3Z1UDNEc08zVWEyMlAzTWt4Y3dsNTUzZzYtM2Yya1U5R1ZSUkExV2t6NUgwdFF2a05HUzRSMzhUdGRRQjZXbDZrTQ?oc=5) · American Banker
- 2022-09-06 [Obituary information for Jacqueline S. Jackie Rice - Henderson-Van Atta Stickle](https://news.google.com/rss/articles/CBMiigFBVV95cUxQNVVmZ1BfQUpIM1djOU5iRXFkSEUyWkRvSjAxaUxsbWIwU2FBTHhsVjlJQ2o5dDRkWnR1TU8tZElvU0JpQWR5OWxlZVpTSGNpbXdCYWZ6YWFwdFh5aTdkakZxNEFUTEQwbXFBc25FbWphMXYzeU1oU2dwY09MNkVkQWZncGduMUNPVkE?oc=5) · Henderson-Van Atta Stickle

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=15307 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/11.json (key "15307", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=15307
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide