Federal credit union · Hopewell, Virginia · NCUA charter #16605
Hopewell Chemical
Health score 87/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $53.3M
- Total assets
- 3,254
- Members
- 9.2%
- Net-worth ratio
Hopewell Chemical - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #16605 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Hopewell Chemical - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)93
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth56
- Liquidity (loan-to-share)70
Weighted composite: 87/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 9.21%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 9.21% | 30% |
| Delinquency Rate | 0.10% | 25% |
| Return on Assets | 0.54% | 15% |
| Member Growth | -0.31% | 15% |
| Loan-to-Share Ratio | 49.17% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $53.3M | 3,254 |
| 2024Q4 | $50.7M | 3,264 |
| 2023Q4 | $49.6M | 3,280 |
Credit Union Details
- Charter Number
- 16605
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Virginia
- City
- Hopewell
- Data Quarter
- 2025Q4
What This Data Says About Hopewell Chemical
Headquartered in Hopewell, Virginia, Hopewell Chemical is a federal credit union with 3,254 members, $53.3M in total assets, and $22.8M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 87/100 (Excellent), driven in part by a net worth ratio of 9.21% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #16605 and reports within peer group $50M–$100M, a cohort of 584 similarly-sized institutions.
0.10% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $50M–$100M credit unions sits at 0.963%, so this institution is running tighter than peers. Deposit deployment is captured by the 49.17% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.54% on net income of $286K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -0.31%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Community); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
Nearby Credit Unions in Virginia
Other federally-insured credit unions in Virginia, closest first by peer group and asset size.
- NEWPORT NEWS MUN. EMP CREDIT UNIONNewport News, VA · $50M–$100M73Health
- LOUDOUN CREDIT UNIONLeesburg, VA · $50M–$100M71Health
- CREDIT UNION OF RICHMOND INCORPORATRichmond, VA · $50M–$100M75Health
- NORTHERN STAR CREDIT UNION, INC.Portsmouth, VA · $50M–$100M81Health
- VIRGINIA EDUCATORS CREDIT UNIONNewport News, VA · $50M–$100M77Health
Compare Hopewell Chemical vs NEWPORT NEWS MUN. EMP CREDIT UNION
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Hopewell Chemical financially healthy?
Hopewell Chemical has a financial health score of 87/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 9.21% and delinquency rate of 0.10%.
How does Hopewell Chemical compare to other credit unions?
87/100 is Hopewell Chemical's score on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 15%.
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Hopewell Chemical?
Hopewell Chemical operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Hopewell Chemical directly for the exact boundaries and application steps.
Is my money safe at Hopewell Chemical?
Federal credit unions like Hopewell Chemical are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Hopewell Chemical's net worth ratio of 9.21% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Hopewell Chemical offer compared to banks?
Credit unions like Hopewell Chemical are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Hopewell Chemical directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.