Federal credit union · Hopewell, Virginia · NCUA charter #16605
Hopewell Chemical
Health score 89/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $53.3M
- Total assets
- 3,254
- Members
- 10.6%
- Net-worth ratio
Hopewell Chemical scores 89/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $53.3M; members 3,254; net-worth ratio 10.56%; health rank #1,304 of 4,374; healthier than 69th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,304 of 4,374 health · 2025Q4Hopewell Chemical · health 89/100 · $53.3M · 2025Q4
- PHOTO 89/100
- BOOK 10.6%
- CHARTER 0.10%
- NCUSIF 0.54%
- CAMELS $53.3M
- HEALTH 3,254
- NW #1,304/4,374
- DELQ Total Choice
- ROA 16605
Call Report peers
Hopewell Chemical in the assets neighbourhood
Hopewell Chemical's $53.3M assets sit next to Total Choice ($53.3M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Hopewell Chemical vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
89 Top 31% higher than 69% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
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.
Peer-gap read for Hopewell Chemical
- Strongest edge vs 584 $50M–$100M peers is Delinquency Rate: -0.86 pp (0.10% vs 0.96%).
- Loan-to-Share Ratio trails the peer set - 49.17% here, 62.60% peer average (-13.43 pp).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Virginia standing for Hopewell Chemical
- Virginia health ordinal: #21 of 95.
- Virginia assets place: #59 of 95.
- Virginia membership ordinal: #60 of 95.
In-state ordinals use the live credit_unions table for VA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Hopewell Chemical: 2025Q4 → 2026Q1
Hopewell Chemical: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.1% from $53.3M (2025Q4) to $54.9M (2026Q1).
- Net-worth ratio shifted +0.02 pp (10.54% → 10.56%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 10.56%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 89/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 89.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 8.4 pts
- Loan-to-Share Ratio 10.6 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.56% | -3.06 pp |
| Delinquency Rate | 0.10% | -0.86 pp |
| Return on Assets | 0.54% | -0.12 pp |
| Member Growth | -0.31% | - |
| Loan-to-Share Ratio | 49.17% | -13.43 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Hopewell Chemical quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $54.9M | - |
| 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
Branch Locations (3)
Hopewell Chemical operates 3 offices across 2 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Corporate Office (Main Office) | Hopewell, VA |
| Dixiecon Branch Hopewell Chemical FCU | Richmond, VA |
| Credit Union of Richmond | Richmond, VA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
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–$100M74Health
- 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
Hopewell Chemical nationwide neighbourhoods
Hopewell Chemical's nationwide photo peers by assets and by health score, excluding Virginia charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($53.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (89/100 here).
Using this data
- Hopewell Chemical ranks #1,304 of 4,374 nationally on financial health and #21 of 95 in VA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Newport News Mun. Emp Credit Union is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Newport News Mun. Emp Credit Union
- Rates and health both vary by institution, not just by state -- see how Virginia credit unions compare overall before assuming this one is typical. Virginia state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Hopewell Chemical financially healthy?
Hopewell Chemical has a financial health score of 89/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,304 of 4,374; by total assets it ranks #2,357 of 4,374 nationally (same basis as /rankings/largest); and #59 of 95 within Virginia. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 10.56% and delinquency rate of 0.10%.
How does Hopewell Chemical compare to other credit unions?
89/100 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 10.56% 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.
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.