BlastPoint's Credit Union Scorecard
HOPESOUTH
Charter #20824 · SC
HOPESOUTH demonstrates 5 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.25% above tier average
- + Net Interest Margin 1.61% above tier average
- + Fee Income Per Member: Top 3.4% in tier
- + Member Growth Rate: Top 8.2% in tier
- + Net Worth Ratio: Top 9.6% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,851
+4.2% YoY+0.6% QoQ
|
+1.2K |
2,676
+1.6% YoY
|
37,268
+3.6% YoY
|
33,913
+5.7% YoY
|
78% |
| Assets |
$38.3M
+3.3% YoY+3.2% QoQ
|
+$8.1M |
$30.2M
+1.3% YoY
|
$534.3M
+6.5% YoY
|
$578.3M
+9.0% YoY
|
68% |
| Loans |
$15.7M
+2.5% YoY+0.6% QoQ
|
+$385K |
$15.3M
-2.0% YoY
|
$369.7M
+7.8% YoY
|
$402.4M
+8.7% YoY
|
63% |
| Deposits |
$28.1M
+2.8% YoY+4.1% QoQ
|
+$2.3M |
$25.8M
+0.7% YoY
|
$450.9M
+6.0% YoY
|
$494.3M
+9.1% YoY
|
62% |
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| ROA |
1.4%
-22.5% YoY-18.7% QoQ
|
+1.2% |
0.1%
-77.6% YoY
|
0.7%
-43.3% YoY
|
0.4%
-39.2% YoY
|
82% |
| NIM |
5.6%
-4.4% YoY-5.7% QoQ
|
+1.6% |
4.0%
+4.0% YoY
|
4.1%
-0.5% YoY
|
3.8%
+4.1% YoY
|
Top 5.7% in tier |
| Efficiency Ratio |
78.1%
+5.4% YoY+7.5% QoQ
|
-12.6% |
90.6%
+6.5% YoY
|
81.4%
+7.0% YoY
|
84.6%
+2.8% YoY
|
41% |
| Delinquency Rate |
1.0%
+131.6% YoY-71.1% QoQ
|
-0.5 |
1.5%
+3.8% YoY
|
0.8%
+19.1% YoY
|
1.2%
+3.4% YoY
|
65% |
| Loan To Share |
55.8%
-0.3% YoY-3.3% QoQ
|
-2.7% |
58.5%
-3.0% YoY
|
69.5%
-0.5% YoY
|
65.6%
-1.4% YoY
|
46% |
| AMR |
$11,359
-1.4% YoY+2.2% QoQ
|
$-4K |
$14,884
-1.7% YoY
|
$16,971
+2.3% YoY
|
$19,920
+1.6% YoY
|
35% |
| CD Concentration |
21.7%
+19.3% YoY+2.6% QoQ
|
-2.6% | 24.3% | 18.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.9% | 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)