BlastPoint's Credit Union Scorecard
HOPESOUTH
Charter #20824 · SC
HOPESOUTH has 3 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.63% above tier average
- + Fee Income Per Member: Top 4.3% in tier
- + Member Growth Rate: Top 9.2% in tier
Key Concerns
Areas that may need attention
- - ROA 0.31% below tier average
- - Delinquency rate 1.69% above tier average
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 23 that size in South Carolina.
- Shares and deposits +7.3% year over year ($29.0M in shares and deposits).
- Membership: 3,894 members, +3.7% vs a year ago.
- Delinquency rate 3.23%.
- Return on assets 1.19%.
- Efficiency ratio 77.79% vs a 88.77% peer average.
- Loan-to-share ratio 53.56% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,894
+3.7% YoY+1.1% QoQ
|
+1.3K |
2,585
-1.7% YoY
|
38,222
+5.6% YoY
|
34,678
+6.6% YoY
|
78% |
| Assets |
$39.4M
+6.2% YoY+2.7% QoQ
|
+$9.1M |
$30.3M
+1.5% YoY
|
$548.9M
+9.6% YoY
|
$593.1M
+10.2% YoY
|
68% |
| Loans |
$15.5M
+0.3% YoY-0.8% QoQ
|
+$77K |
$15.5M
-1.7% YoY
|
$385.7M
+10.8% YoY
|
$418.6M
+10.1% YoY
|
63% |
| Deposits |
$29.0M
+7.3% YoY+3.3% QoQ
|
+$3.2M |
$25.8M
+1.1% YoY
|
$462.6M
+9.2% YoY
|
$504.8M
+10.3% YoY
|
63% |
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| ROA |
1.2%
-42.8% YoY-14.9% QoQ
|
-0.3% |
1.5%
+241.5% YoY
|
0.9%
-19.6% YoY
|
1.2%
+121.4% YoY
|
69% |
| NIM |
5.5%
-5.8% YoY-1.6% QoQ
|
+1.6% |
3.9%
+0.9% YoY
|
4.2%
-1.3% YoY
|
3.8%
+2.3% YoY
|
Top 6.0% in tier |
| Efficiency Ratio |
77.8%
+9.5% YoY-0.4% QoQ
|
-11.0% |
88.8%
-6.9% YoY
|
79.7%
+5.8% YoY
|
83.0%
-5.3% YoY
|
43% |
| Delinquency Rate |
3.2%
+79.2% YoY+213.0% QoQ
|
+1.7 |
1.5%
+2.1% YoY
|
1.1%
+14.2% YoY
|
1.3%
+2.6% YoY
|
Bottom 11.9% in tier |
| Loan To Share |
53.6%
-6.5% YoY-4.0% QoQ
|
-5.3% |
58.9%
-3.1% YoY
|
70.2%
-0.9% YoY
|
66.4%
-1.4% YoY
|
42% |
| AMR |
$11,438
+1.0% YoY+0.7% QoQ
|
$-4K |
$14,963
-6.8% YoY
|
$17,221
+4.1% YoY
|
$20,028
-0.9% YoY
|
36% |
| CD Concentration |
23.9%
+26.3% YoY+10.0% QoQ
|
-0.7% | 24.6% | 18.3% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 6.0% | 7.7% | 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)