TellerScore

Headquartered in Hopewell, Virginia, Hopewell Chemical Federal Credit Union is a federal credit union with $55.6M in total assets and $48.5M in member shares and deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1965.

Based on its Q2 2026 filing, Hopewell Chemical Federal Credit Union scores 73/100, which we describe as strong. That is higher than only 47% of 2,479 credit unions with under $100 million in assets. Among 95 credit unions headquartered in Virginia, it ranks 38th. Its strongest component is funding & liquidity (100/100; 45% loans-to-deposits, 0% uninsured), and its lowest is earnings (40/100; 0.51%).

TellerScore · Q2 2026

Scorecard

Capital cushion58/100
Net worth ratio: 10.81%
Loan quality90/100
Loans 60+ days delinquent ÷ total loans: 0.31%
Earnings40/100
Return on assets (annualized): 0.51%
Funding & liquidity100/100
Loans ÷ shares: 45.4% · 0.2% uninsured
Problem-loan coverage98/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.12%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (74 → 73).

TellerScore
687479Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202468
Q3 202470
Q4 202471
Q1 202573
Q2 202574
Q3 202576
Q4 202578
Q1 202679
Q2 202673
Net worth ratio
7.00%8.91%10.81%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.50%
Q3 20249.75%
Q4 20249.96%
Q1 202510.00%
Q2 202510.32%
Q3 202510.43%
Q4 202510.54%
Q1 202610.56%
Q2 202610.81%
Delinquent loans (60+ days)
0.10%0.28%0.46%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.35%
Q3 20240.23%
Q4 20240.23%
Q1 20250.29%
Q2 20250.46%
Q3 20250.30%
Q4 20250.10%
Q1 20260.31%
Q2 20260.31%
Return on assets
0.51%0.93%1.35%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.53%
Q3 20240.51%
Q4 20240.56%
Q1 20250.86%
Q2 20251.01%
Q3 20251.02%
Q4 20251.05%
Q1 20261.35%
Q2 20260.51%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202673$55.6M10.81%0.31%0.51%45.4%
Q1 202679$54.9M10.56%0.31%1.35%46.6%
Q4 202578$53.3M10.54%0.10%1.05%49.2%
Q3 202576$52.3M10.43%0.30%1.02%49.7%
Q2 202574$51.5M10.32%0.46%1.01%51.8%
Q1 202573$51.7M10.00%0.29%0.86%50.4%
Q4 202471$50.7M9.96%0.23%0.56%53.4%
Q3 202470$50.9M9.75%0.23%0.51%53.4%
Q2 202468$51.6M9.50%0.35%0.53%51.5%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.81%
22nd
Problem loans0.31%
68th
Net charge-offs0.07%
60th
Return on assets0.51%
42nd
Loans to deposits45.4%
71st
Uninsured deposits0.2%
60th
Loan-loss reserves0.00%
37th
Texas ratio1.1%
64th

Similar-size credit unions in Virginia

InstitutionScoreAssetsCapitalProblem loansCompare
Newport News Mun. Emp Credit UnionCredit union Newport News, VA64 out of 100, Moderate$54.4M10.3%1.64%vs
Loudoun Credit UnionCredit union Leesburg, VA46 out of 100, Below average$59.5M8.1%1.83%vs
Hampton Roads Educ Credit Union IncCredit union Hampton, VA58 out of 100, Moderate$46.9M8.4%1.00%vs
Credit Union of Richmond IncorporatCredit union Richmond, VA87 out of 100, Very strong$64.6M18.5%0.69%vs
Vantage Point Federal Credit UnionCredit union Hopewell, VA71 out of 100, Strong$45.0M16.7%2.20%vs
Patent and Trademark Office Federal Credit UnionCredit union Alexandria, VA39 out of 100, Low$40.1M7.1%2.59%vs

Deposit insurance

Is my money safe at Hopewell Chemical Federal Credit Union?

Yes. Hopewell Chemical Federal Credit Union is a federally insured credit union (NCUA charter #16605). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 0.2% of shares and deposits ($113K) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 10.81%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Hopewell Chemical Federal Credit Union lists 2 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Hopewell Chemical Federal Credit Union
Type
Federal credit union
NCUA charter #
16605
RSSD ID
635680
Primary regulator
NCUA
Established
1965
Headquarters
PO Box 449, Hopewell, VA 23860
Employees
12

Quick answers

Hopewell Chemical Federal Credit Union: common questions

Is Hopewell Chemical Federal Credit Union NCUA insured?

Yes. Hopewell Chemical Federal Credit Union is a federally insured credit union (NCUA charter #16605). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Hopewell Chemical Federal Credit Union's TellerScore?

73 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Hopewell Chemical Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Hopewell

InstitutionScoreAssetsCapitalProblem loansCompare
The Bank of Southside VirginiaBank Carson, VA97 out of 100, Very strong$670.3M23.4%0.08%vs
Citizens Bank and Trust CompanyBank Blackstone, VA97 out of 100, Very strong$577.6M15.4%0.23%vs
1st Advantage Federal Credit UnionCredit union Newport News, VA90 out of 100, Very strong$1.1B16.7%0.45%vs
Richmond Virginia Fire Police Credi Credit UnionCredit union Richmond, VA88 out of 100, Very strong$21.2M15.4%0.55%vs
Credit Union of Richmond IncorporatCredit union Richmond, VA87 out of 100, Very strong$64.6M18.5%0.69%vs
Dominion Energy Credit UnionCredit union North Chesterfi, VA84 out of 100, Strong$336.4M14.3%0.43%vs