BlastPoint's Credit Union Scorecard
HOPESOUTH
Charter #20824 · SC
HOPESOUTH has 7 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.25% above tier average
- + Net Interest Margin 2.00% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Fee Income Per Member: Top 6.1% in tier
- + Member Growth Rate: Top 7.0% in tier
- + Net Worth Ratio: Top 9.2% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.68% above tier average
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,781
+4.8% YoY+0.7% QoQ
|
+1.2K |
2,625
-2.2% YoY
|
37,124
+2.2% YoY
|
33,089
+6.1% YoY
|
76% |
| Assets |
$36.8M
+5.9% YoY-0.6% QoQ
|
+$7.0M |
$29.9M
+1.1% YoY
|
$514.3M
+4.6% YoY
|
$547.7M
+7.8% YoY
|
67% |
| Loans |
$15.6M
+8.4% YoY+1.0% QoQ
|
$-122K |
$15.8M
-2.4% YoY
|
$362.8M
+7.0% YoY
|
$388.7M
+8.6% YoY
|
62% |
| Deposits |
$26.7M
+4.0% YoY-1.4% QoQ
|
+$1.2M |
$25.5M
+0.4% YoY
|
$433.3M
+6.0% YoY
|
$464.6M
+9.3% YoY
|
61% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
1.9%
-4.7% YoY-6.6% QoQ
|
+1.3% |
0.7%
-731.4% YoY
|
1.2%
+18.8% YoY
|
0.7%
+273.4% YoY
|
Top 10.1% in tier |
| NIM |
5.9%
-5.0% YoY+1.1% QoQ
|
+2.0% |
3.9%
+3.8% YoY
|
4.3%
+2.6% YoY
|
3.7%
+5.0% YoY
|
Top 4.5% in tier |
| Efficiency Ratio |
71.9%
+5.2% YoY+1.3% QoQ
|
-9.5% |
81.4%
-2.4% YoY
|
75.1%
-1.9% YoY
|
79.1%
-3.3% YoY
|
35% |
| Delinquency Rate |
2.2%
+9.6% YoY+21.4% QoQ
|
+0.7 |
1.5%
-2.0% YoY
|
0.9%
+10.3% YoY
|
1.2%
-0.9% YoY
|
82% |
| Loan To Share |
58.7%
+4.2% YoY+2.5% QoQ
|
-2.5% |
61.2%
-3.0% YoY
|
71.3%
-1.2% YoY
|
68.0%
-1.7% YoY
|
46% |
| AMR |
$11,188
+0.8% YoY-1.2% QoQ
|
$-3K |
$14,627
-2.7% YoY
|
$16,641
+2.9% YoY
|
$19,418
+1.3% YoY
|
35% |
| CD Concentration |
19.3%
+8.5% YoY+2.1% QoQ
|
-5.1% |
24.4%
+4.2% YoY
|
17.4%
+3.6% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
5.9%
-5.3% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)