BlastPoint's Credit Union Scorecard
HOPE
Charter #24829 · MS
HOPE has 11 strengths but faces 9 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 3.5% in tier
- + Wallet Share Momentum: Top 15.8% in tier
- + Organic Growth Engine: Top 45.8% in tier
- + Strong member growth: 20.0% YoY
- + Fee Income Per Member: Top 0.0% in tier
- + Loan Growth Rate: Top 0.0% in tier
- + Deposit Growth Rate: Top 0.9% in tier
- + Member Growth Rate: Top 1.7% in tier
- + Asset Growth Rate: Top 1.7% in tier
- + Net Worth Ratio: Top 4.3% in tier
- + AMR Growth Rate: Top 7.7% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 50.8% in tier
- - Liquidity Strain: Bottom 62.1% in tier
- - Liquidity Overhang: Bottom 91.0% in tier
- - ROA 0.72% below tier average
- - Efficiency ratio 10.43% above tier (higher cost structure)
- - Delinquency rate 1.54% above tier average
- - Members Per Employee (MPE): Bottom 1.7% in tier
- - Total Delinquency Rate (60+ days): Bottom 3.4% in tier
- - Total Deposits: Bottom 7.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
47,441
+20.0% YoY+15.7% QoQ
|
-4.6K |
52,084
-1.6% YoY
|
14,672
+15.4% YoY
|
33,374
+5.7% YoY
|
40% |
| Assets |
$856.7M
+25.5% YoY+9.9% QoQ
|
$-7.2M |
$863.9M
+0.5% YoY
|
$175.8M
+23.7% YoY
|
$561.6M
+9.7% YoY
|
47% |
| Loans |
$568.2M
+33.1% YoY+10.4% QoQ
|
$-37.6M |
$605.8M
+1.4% YoY
|
$116.9M
+20.6% YoY
|
$397.0M
+8.8% YoY
|
32% |
| Deposits |
$627.8M
+37.2% YoY+7.9% QoQ
|
$-109.5M |
$737.3M
+0.1% YoY
|
$139.2M
+23.5% YoY
|
$477.3M
+9.7% YoY
|
Bottom 6.8% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.0%
-18.3% YoY-43.1% QoQ
|
-0.7% |
0.7%
+39.1% YoY
|
0.8%
+172.9% YoY
|
0.7%
+15.9% YoY
|
Bottom 6.0% in tier |
| NIM |
3.0%
-0.5% YoY+2.8% QoQ
|
-0.4% |
3.4%
+8.7% YoY
|
4.4%
+3.3% YoY
|
3.8%
+5.1% YoY
|
25% |
| Efficiency Ratio |
84.8%
-8.1% YoY-1.5% QoQ
|
+10.4% |
74.3%
-3.6% YoY
|
79.5%
-8.9% YoY
|
79.7%
-3.3% YoY
|
Top 12.0% in tier |
| Delinquency Rate |
2.4%
-48.2% YoY+8.6% QoQ
|
+1.5 |
0.9%
+3.8% YoY
|
2.7%
-0.7% YoY
|
1.3%
-2.1% YoY
|
Top 3.4% in tier |
| Loan To Share |
90.5%
-3.0% YoY+2.3% QoQ
|
+7.9% |
82.6%
+1.1% YoY
|
68.0%
-1.8% YoY
|
67.4%
-1.7% YoY
|
65% |
| AMR |
$25,211
+12.7% YoY-5.7% QoQ
|
$-4K |
$28,873
+2.7% YoY
|
$12,283
+3.8% YoY
|
$19,687
+2.0% YoY
|
44% |
| CD Concentration |
26.9%
-9.8% YoY-4.5% QoQ
|
+2.5% | 24.4% | 19.4% | 19.8% | 59% |
| Indirect Auto % | 0.3% | -13.5% | 13.8% | 2.5% | 7.8% | 33% |
Signature Analysis
Strengths (3)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (3)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
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)