HOPE

Charter #24829 | MS

750M-1B (112 CUs) Community (281 CUs)
1 750M-1B in MS

HOPE has 9 strengths but faces 8 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 0.2% in tier
  • + Relationship Depth Leader: Top 11.4% in tier
  • + Fee Income Per Member: Top 0.0% in tier
  • + Loan Growth Rate: Top 0.0% in tier
  • + Deposit Growth Rate: Top 0.0% in tier
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + Asset Growth Rate: Top 0.9% in tier
  • + AMR Growth Rate: Top 0.9% in tier
  • + Net Worth Ratio: Top 3.6% in tier

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 0.9% in tier
  • - Liquidity Overhang: Bottom 14.8% in tier
  • - ROA 0.66% below tier average
  • - Efficiency ratio 11.59% above tier (higher cost structure)
  • - Delinquency rate 1.42% above tier average
  • - Members Per Employee (MPE): Bottom 0.9% in tier
  • - Total Deposits: Bottom 2.7% in tier
  • - Total Delinquency Rate (60+ days): Bottom 3.6% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (MS) National Avg Tier Percentile
Members 41,017
+0.0% YoY+1.0% QoQ
 -11.1K 52,114
-2.1% YoY
 14,577
+18.5% YoY
 33,089
+6.1% YoY
 26th in tier
Assets $779.4M
+19.2% YoY+5.4% QoQ
 $-79.6M $859.0M
+0.0% YoY
 $171.7M
+26.4% YoY
 $547.7M
+7.8% YoY
 Bottom 17.0% in tier
Loans $514.5M
+30.7% YoY+5.4% QoQ
 $-88.9M $603.4M
+1.0% YoY
 $115.7M
+25.1% YoY
 $388.7M
+8.6% YoY
 Bottom 22.3% in tier
Deposits $581.7M
+28.1% YoY+18.3% QoQ
 $-152.5M $734.2M
+0.9% YoY
 $135.7M
+26.5% YoY
 $464.6M
+9.3% YoY
 Bottom 1.8% in tier
ROA 0.1%
+25.9% YoY+54.7% QoQ
 -0.7% 0.7%
+27.6% YoY
 0.9%
+335.0% YoY
 0.7%
+273.4% YoY
 Bottom 8.0% in tier
NIM 2.9%
-5.5% YoY-4.2% QoQ
 -0.5% 3.4%
+9.6% YoY
 4.4%
+3.2% YoY
 3.7%
+5.0% YoY
 Bottom 22.3% in tier
Efficiency Ratio 86.1%
-7.6% YoY-6.2% QoQ
 +11.6% 74.5%
-3.2% YoY
 78.7%
-9.5% YoY
 79.1%
-3.3% YoY
 Top 12.5% in tier
Delinquency Rate 2.2%
-55.5% YoY-16.4% QoQ
 +1.4 0.8%
+5.0% YoY
 1.7%
-11.9% YoY
 1.2%
-0.9% YoY
 Top 3.6% in tier
Loan To Share 88.4%
+2.0% YoY-10.9% QoQ
 +5.8% 82.7%
+0.1% YoY
 68.6%
-0.4% YoY
 68.0%
-1.7% YoY
 56th in tier
AMR $26,725
+29.3% YoY+10.8% QoQ
 $-2K $28,651
+2.5% YoY
 $12,163
+4.6% YoY
 $19,418
+1.3% YoY
 51st in tier
CD Concentration 28.2%
-6.9% YoY-13.4% QoQ
 +3.8% 24.4%
+4.2% YoY
 19.3%
+9.2% YoY
 19.6%
+6.2% YoY
 65th in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 2.5%
+12.7% YoY
 7.9%
-2.9% YoY
 Bottom 0.0% in tier

Signature Analysis

Strengths (2)

Wallet Share Momentum

growth
#7 of 1006 • Top 0.2% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 29.27%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank improving

Relationship Depth Leader

growth
#314 of 1006 • Top 11.4% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 29.27%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.0K
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Concerns (2)

Efficiency Drag

risk
#17 of 521 • Bottom 0.9% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 86.11%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): 0.01% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): 0.04%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
521 of 281 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | Rank worsening

Liquidity Overhang

risk
#230 of 552 • Bottom 14.8% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 18.65%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 88.45%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
552 of 281 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY | Rank worsening

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)

Comparing against 112 peers in tier

Top Strengths (7 metrics)

1
Fee Income Per Member
profitability
Value: $661.76
Peer Avg: $204.75
#1 of 112 Top 0.0% in 750M-1B tier
1
Loan Growth Rate
growth
Value: 30.70%
Peer Avg: 4.84%
#1 of 112 Top 0.0% in 750M-1B tier
1
Deposit Growth Rate
growth
Value: 28.13%
Peer Avg: 5.03%
#1 of 112 Top 0.0% in 750M-1B tier
1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 16.60%
#1 of 112 Top 0.0% in 750M-1B tier
2
Asset Growth Rate
growth
Value: 19.21%
Peer Avg: 4.25%
#2 of 112 Top 0.9% in 750M-1B tier
2
AMR Growth Rate
growth
Value: 29.27%
Peer Avg: 4.90%
#2 of 112 Top 0.9% in 750M-1B tier
5
Net Worth Ratio
risk
Value: 18.65%
Peer Avg: 11.52%
#5 of 112 Top 3.6% in 750M-1B tier

Top Weaknesses (10 metrics)

112
Members Per Employee (MPE)
engagement
Value: 147.543
Peer Avg: 361.634
#112 of 112 Bottom 0.9% in 750M-1B tier
110
Total Deposits
balance_sheet
Value: $581.68M
Peer Avg: $734.17M
#110 of 112 Bottom 2.7% in 750M-1B tier
109
Total Delinquency Rate (60+ days)
risk
Value: 2.23%
Peer Avg: 0.82%
#109 of 112 Bottom 3.6% in 750M-1B tier
103
Return on Assets (ROA)
profitability
Value: 0.05%
Peer Avg: 0.71%
#103 of 112 Bottom 8.9% in 750M-1B tier
99
Efficiency Ratio
profitability
Value: 86.11%
Peer Avg: 74.52%
#99 of 112 Bottom 12.5% in 750M-1B tier
94
Net Charge-Off Rate
risk
Value: 0.97%
Peer Avg: 0.61%
#94 of 112 Bottom 17.0% in 750M-1B tier
93
Total Assets
balance_sheet
Value: $779.44M
Peer Avg: $859.01M
#93 of 112 Bottom 17.9% in 750M-1B tier
87
Net Interest Margin (NIM)
profitability
Value: 2.90%
Peer Avg: 3.38%
#87 of 112 Bottom 23.2% in 750M-1B tier
87
First Mortgage Concentration (%)
balance_sheet
Value: 43.66%
Peer Avg: 33.64%
#87 of 112 Bottom 23.2% in 750M-1B tier
87
Total Loans
balance_sheet
Value: $514.48M
Peer Avg: $603.36M
#87 of 112 Bottom 23.2% in 750M-1B tier