# VANTAGE POINT
HOPEWELL, VA · NCUA charter 17630 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/vantage-point-17630

Who the members are: federal charter, community charter, organized 1966, low-income designated. 2,960 members of 402,978 potential (0.7% of the field); checking penetration 62% (share draft accounts per 100 members); loans per 100 members 48.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $44.6M |
| Members | 2,960 (-2.7% YoY) |
| Full-time staff | 7 |
| Net worth | $7.4M |
| Net worth ratio | 16.6% (p60 of band) |
| ROA (annualized) | 0.87% (p64 of band) |
| Total delinquency | 2.26% (p81 of band) |
| Net charge-offs (annualized) | 0.52% (p76 of band) |
| Loans / shares | 42% (p27 of band) |
| Cash / assets | 21.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.87% (p50 of band) |
| Operating expense / assets | 3.41% (p44 of band) |
| Vehicles % of loans | 55% (p41 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 1.71% (p76 of band) |
| Vehicle NCO | 0.41% (p79 of band) |
| Repossessed % of vehicle book | 0.42% (p96 of band) |
| Real estate % of loans | 20% |
| Credit cards % of loans | 6% |
| Unsecured % of loans | 13% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 79% |
| Certificates % of member funds | 9% |
| Average share balance | $6,716 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 48% |
| Loans granted per 100 members, annualized | 22% |
| Average loan balance | $11,032 |
| Loans granted, annualized | $5.7M |

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)
- **repo signal** (`aq_repo`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | net worth falling |  |
| 2017-03 | 2 | members leaving |  |
| 2017-06 | 1 |  | net worth falling |
| 2017-09 | 0 |  | members leaving |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | delinquency rising |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 0 |  | delinquency rising |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | assets shrinking |  |
| 2019-12 | 0 |  | assets shrinking |
| 2020-03 | 4 | net worth falling, losing money, margin squeeze, delinquency rising |  |
| 2020-06 | 2 |  | losing money, delinquency rising |
| 2020-09 | 2 | delinquency rising | net worth falling |
| 2020-12 | 4 | delinquency 2x band, auto monoline |  |
| 2021-03 | 4 | net worth falling | margin squeeze |
| 2021-06 | 3 |  | net worth falling |
| 2021-09 | 4 | members leaving |  |
| 2021-12 | 3 |  | delinquency rising |
| 2022-03 | 3 | net worth falling | auto monoline |
| 2022-06 | 2 |  | net worth falling |
| 2022-09 | 3 | auto monoline |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 3 |  |  |
| 2023-06 | 2 |  | delinquency 2x band |
| 2023-09 | 1 |  | members leaving |
| 2023-12 | 2 | delinquency 2x band |  |
| 2024-03 | 4 | losing money, delinquency rising |  |
| 2024-06 | 5 | net worth falling, assets shrinking | losing money |
| 2024-09 | 5 | members leaving | net worth falling |
| 2024-12 | 5 |  |  |
| 2025-03 | 3 | repo signal | auto monoline, delinquency rising, assets shrinking |
| 2025-06 | 2 |  | repo signal |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 2 | repo signal | members leaving |

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

- 2026-05-26 [The Credit Union Impact Foundation announces 2026 grant recipients - CUInsight](https://news.google.com/rss/articles/CBMiqwFBVV95cUxPWU1lcXlRT19fLXU3QUM5d0hkWFVHTjFrZkwwZU8yTVdGay02cXUyeGx3MG9qUE8yQUgzSlg1bHAtMExCaDZjYmpQZGVpLWxBY0hfbGJtdklFdGxndUtOSXU4ZXhCdVRfZGdic0VyLVdKYlZGNUxQY2VEa2hQSlZSWVZPMzZaM1RDS05USDEzLUJNSUFicHREWXVTblhHaFE2enlLZzNWaG1hY2c?oc=5) · CUInsight
- 2022-05-22 [100,000 Veterans have switched to direct deposit to protect their benefits - VA News (.gov)](https://news.google.com/rss/articles/CBMihAFBVV95cUxQcERDQV90Q1FDWGdQMzFoRnNCOENQV1pidkV2aEI5YnNENGFSMU5ZU1VUU1k1RjJwa1pMRWZUZXQ1emdlWVFCTWhENWhISVoxVm5vUnF0MGxkR2NrQ0pjQnI5eVV4eC1vOXJGVE9BRlVyZ3VxanF6d21NbUZKT2h6ak55bXQ?oc=5) · VA News (.gov)
- 2017-11-04 [Charles Woodson Booker - J.T. Morriss & Son Funeral Home](https://news.google.com/rss/articles/CBMiY0FVX3lxTFBkanlIb0JKWVhwODdfMVBYR0gyRzQ5d24wcjdhb1RjdnJDTXFzYUZ3em01anpSVXRsODNPVW1nS3RCX1JjTkhmUG16UFpmcWFhcVNhRDZZQzJpYWh3cVBxRzBKZw?oc=5) · J.T. Morriss &amp; Son Funeral Home
- 2025-09-30 [TAMMY NEALE | CEO, Virginia Housing - Virginia Business](https://news.google.com/rss/articles/CBMib0FVX3lxTE9pNHNubjgtRmlMWFQ2d292Zk9BcnY4ME9qQ3k2Nkl4bDdoZFE5MnBGckRodWJSUUo3YWlhc1hvakg3LWtHclNjU3R5dDNLS3R2bldJU2lBNFJFN1B0Mkpka01XNi1xOThmSHZrRTFsVQ?oc=5) · Virginia Business
- 2016-04-13 [Where Will Your Next CEO Come From? - americanbanker.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxNbUxhRk5tcXlET2dObW1RU1JqVG8wRVc0dk40QUItcDloczlXUEJVZVQ5OFlhRmpiZ1M5NlF0NzB3Qk9MZ3llenZPeWRVM0VDMTFEallqMUZHZmt3OHhGWGRCNWg1SmM4eGx5VXZHU2ZkWHBhM1AwRnNtN1UzbWZpdlV2MHRxQ1ZDZm9NaWJHZnh1dw?oc=5) · americanbanker.com
- 2022-04-11 [Financial literacy resources from Treasury’s Office of the Comptroller of the Currency - VA News (.gov)](https://news.google.com/rss/articles/CBMiswFBVV95cUxQRFd6T2pwWVltSVJOYmZycWZ2cktTX1FEZ0ctOEljQ3hjZUJfRk9JYkp3TDV0RDI4WGRINi1pd2tCdWlYRHBfNjNmaVVOWXVrZ0VDWWpuTGNfbUw3cXFod05sR0dkSWFTTmZSeUo0dC10bEZjR1c3dTkzVG4tLTRBdFk5WEtGZlhLMnlCZ09uUlBid0Rwd1liUFdnZWpXVjRpX2ZBMlB1VGc1VkQ0dmQyR0Jmaw?oc=5) · VA News (.gov)
- 2021-07-13 [Jason Aldean's Son Memphis Joins Dad Onstage at Country Festival in Ohio - Wide Open Country](https://news.google.com/rss/articles/CBMiZEFVX3lxTE5BRTFTbDdRb0MwbEFZbDJRcl8xWTJTcld6VFNnYzJ2YlJ5SVBOT3p6MFd5QUpIb0dzU05palVFMFFjWXFoSDJlUWw0bjdZYlp0VlM4MEJxZmgxNldLOGp0cGxxMU4?oc=5) · Wide Open Country
- 2017-03-11 [OTIS VICK Obituary (2017) - Petersburg, VA - The Progress-Index - legacy.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxQSE5DdXNMSVh6NGNzWklwYVdaWjF6c2tqYW1mT3NrdG5MeGg1MDJ4bkxEeUdoTlR1Vm9fSURqcG1NbldLand3WHROQ1dQaXFaNTVsaHhBaFBQX0JiZGxwMGw4SUk5WGpBVDh5THlkN1F2SWJCSWozaFE5T2VOZUZJbVJYLXZUajJSaVBxUm14dlE?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=17630 (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/30.json (key "17630", 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=17630
- 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