HOPESOUTH
Charter #20824 | SC
<100M
(2596 CUs)
Micro
($0-$500M)
24 <100M in 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
|
Top 23.6% in tier |
| 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
|
67th in tier |
| 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
|
62nd in tier |
| 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
|
61st in tier |
| 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
|
35th in tier |
| 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
|
Top 18.0% in tier |
| 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
|
46th in tier |
| 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
|
35th in tier |
| 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
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
5.9%
-5.3% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (10 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
116
Net Interest Margin (NIM)
profitability
Value:
5.93%
Peer Avg: 3.93%
#116 of 2596
Top 4.4% in <100M tier
160
Fee Income Per Member
profitability
Value:
$203.20
Peer Avg: $182.96
#160 of 2596
Top 6.1% in <100M tier
182
Member Growth Rate
growth
Value:
4.79%
Peer Avg: 14.92%
#182 of 2596
Top 7.0% in <100M tier
240
Net Worth Ratio
risk
Value:
26.33%
Peer Avg: 16.43%
#240 of 2596
Top 9.2% in <100M tier
263
Return on Assets (ROA)
profitability
Value:
1.93%
Peer Avg: 0.68%
#263 of 2596
Top 10.1% in <100M tier
343
Loan Growth Rate
growth
Value:
8.43%
Peer Avg: 59.01%
#343 of 2596
Top 13.2% in <100M tier
548
Asset Growth Rate
growth
Value:
5.91%
Peer Avg: 1.82%
#548 of 2596
Top 21.1% in <100M tier
612
Total Members
engagement
Value:
3,781
Peer Avg: 2,626
#612 of 2596
Top 23.5% in <100M tier
Top Weaknesses (2 metrics)
2131
Total Delinquency Rate (60+ days)
risk
Value:
2.19%
Peer Avg: 1.51%
#2131 of 2596
Bottom 18.0% in <100M tier
2129
Net Charge-Off Rate
risk
Value:
0.84%
Peer Avg: 0.57%
#2129 of 2596
Bottom 18.0% in <100M tier