BlastPoint's Credit Union Scorecard
HOPESOUTH
Charter #20824 · SC
HOPESOUTH has 8 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.09% above tier average
- + Net Interest Margin 2.00% above tier average
- + Strong member growth: 5.0% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Fee Income Per Member: Top 4.9% in tier
- + Member Growth Rate: Top 6.1% in tier
- + Net Worth Ratio: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 2.02% above tier average
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,829
+5.0% YoY+1.3% QoQ
|
+1.2K |
2,615
-1.9% YoY
|
37,100
+2.2% YoY
|
33,374
+5.7% YoY
|
77% |
| Assets |
$37.1M
+4.0% YoY+0.8% QoQ
|
+$7.0M |
$30.1M
+2.1% YoY
|
$523.8M
+6.7% YoY
|
$561.6M
+9.7% YoY
|
66% |
| Loans |
$15.6M
+7.3% YoY-0.5% QoQ
|
$-192K |
$15.8M
-1.3% YoY
|
$367.9M
+7.3% YoY
|
$397.0M
+8.8% YoY
|
62% |
| Deposits |
$27.0M
+3.5% YoY+1.2% QoQ
|
+$1.3M |
$25.7M
+1.4% YoY
|
$439.0M
+5.8% YoY
|
$477.3M
+9.7% YoY
|
61% |
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| ROA |
1.7%
-14.7% YoY-11.4% QoQ
|
+1.1% |
0.6%
+10.8% YoY
|
1.0%
+5.1% YoY
|
0.7%
+15.9% YoY
|
Top 11.4% in tier |
| NIM |
6.0%
-2.5% YoY+0.4% QoQ
|
+2.0% |
4.0%
+4.0% YoY
|
4.2%
+0.5% YoY
|
3.8%
+5.1% YoY
|
Top 4.1% in tier |
| Efficiency Ratio |
72.6%
+4.1% YoY+1.0% QoQ
|
-9.9% |
82.6%
-2.3% YoY
|
76.9%
-0.6% YoY
|
79.7%
-3.3% YoY
|
32% |
| Delinquency Rate |
3.6%
+69.6% YoY+63.2% QoQ
|
+2.0 |
1.6%
-3.1% YoY
|
1.0%
+13.3% YoY
|
1.3%
-2.1% YoY
|
Top 10.2% in tier |
| Loan To Share |
57.7%
+3.7% YoY-1.7% QoQ
|
-2.9% |
60.6%
-3.1% YoY
|
71.5%
-0.9% YoY
|
67.4%
-1.7% YoY
|
46% |
| AMR |
$11,112
-0.1% YoY-0.7% QoQ
|
$-4K |
$14,783
-1.4% YoY
|
$16,782
+2.9% YoY
|
$19,687
+2.0% YoY
|
34% |
| CD Concentration |
21.1%
+18.1% YoY+9.6% QoQ
|
-3.3% | 24.4% | 17.8% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.9% | 7.8% | 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)