BlastPoint's Credit Union Scorecard
HOPE
Charter #24829 · MS
HOPE has 8 strengths but faces 8 concerns
How does the industry compare?
What's your peer group doing?
How does MS stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 1.5% in tier
- + Organic Growth Engine: Top 1.5% in tier
- + Strong member growth: 22.4% YoY
- + Fee Income Per Member: Top 0.1% in tier
- + Loan Growth Rate: Top 0.1% in tier
- + Member Growth Rate: Top 0.9% in tier
- + Deposit Growth Rate: Top 0.9% in tier
- + Asset Growth Rate: Top 3.6% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 3.6% in tier
- - Efficiency Drag: Bottom 27.6% in tier
- - ROA 0.82% below tier average
- - Efficiency ratio 8.96% above tier (higher cost structure)
- - Delinquency rate 1.16% above tier average
- - Members Per Employee (MPE): Bottom 1.8% in tier
- - Total Delinquency Rate (60+ days): Bottom 3.6% in tier
- - Total Deposits: Bottom 8.1% in tier
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 111 credit unions with $750M-$1B in assets nationally, and 1 of 1 that size in Mississippi.
- Shares and deposits +27.9% year over year ($629M in shares and deposits).
- Membership: 49,735 members, +22.4% vs a year ago.
- Delinquency rate 1.96%.
- Return on assets 0.03%.
- Efficiency ratio 83.50% vs a 74.54% peer average.
- Loan-to-share ratio 99.74% vs a 82.60% 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 (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
49,735
+22.4% YoY+2.6% QoQ
|
-2.7K |
52,482
+1.3% YoY
|
15,019
+10.4% YoY
|
34,678
+6.6% YoY
|
44% |
| Assets |
$881.4M
+19.2% YoY+1.6% QoQ
|
+$17.4M |
$863.9M
+0.5% YoY
|
$179.3M
+15.8% YoY
|
$593.1M
+10.2% YoY
|
59% |
| Loans |
$627.2M
+28.4% YoY+6.3% QoQ
|
+$19.4M |
$607.8M
+2.1% YoY
|
$118.9M
+12.9% YoY
|
$418.6M
+10.1% YoY
|
50% |
| Deposits |
$628.8M
+27.9% YoY-5.5% QoQ
|
$-111.1M |
$739.9M
+0.2% YoY
|
$142.7M
+16.5% YoY
|
$504.8M
+10.3% YoY
|
Bottom 7.2% in tier |
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| ROA | 0.0% | -0.8% |
0.8%
+30.4% YoY
|
6.8%
+536.0% YoY
|
1.2%
+121.4% YoY
|
Bottom 0.9% in tier |
| NIM |
2.9%
-3.4% YoY-6.5% QoQ
|
-0.6% |
3.5%
+6.2% YoY
|
4.4%
+0.2% YoY
|
3.8%
+2.3% YoY
|
17% |
| Efficiency Ratio |
83.5%
-9.0% YoY-0.9% QoQ
|
+9.0% |
74.5%
-1.4% YoY
|
168.1%
+110.0% YoY
|
83.0%
-5.3% YoY
|
82% |
| Delinquency Rate |
2.0%
-26.8% YoY+13.7% QoQ
|
+1.2 |
0.8%
+1.0% YoY
|
2.3%
+20.5% YoY
|
1.3%
+2.6% YoY
|
Bottom 3.6% in tier |
| Loan To Share |
99.7%
+0.4% YoY+12.5% QoQ
|
+17.1% |
82.6%
+1.9% YoY
|
65.7%
-3.6% YoY
|
66.4%
-1.4% YoY
|
Top 9.9% in tier |
| AMR |
$25,253
+4.7% YoY-2.5% QoQ
|
$-3K |
$28,702
+0.4% YoY
|
$12,280
+0.8% YoY
|
$20,028
-0.9% YoY
|
47% |
| CD Concentration |
27.3%
-16.1% YoY+8.5% QoQ
|
+2.8% | 24.6% | 19.9% | 20.0% | 62% |
| Indirect Auto % |
0.2%
-18.7% QoQ
|
-13.4% | 13.6% | 2.4% | 7.7% | 33% |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (2)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)