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 2.1% in tier
- + Organic Growth Engine: Top 2.1% in tier
- + Wallet Share Momentum: Top 7.1% in tier
- + Strong member growth: 21.4% YoY
- + Fee Income Per Member: Top 0.1% in tier
- + Loan Growth Rate: Top 0.1% in tier
- + Deposit Growth Rate: Top 0.9% in tier
- + Member Growth Rate: Top 1.7% in tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 8.1% in tier
- - Efficiency Drag: Bottom 29.7% in tier
- - ROA 0.73% below tier average
- - Efficiency ratio 8.68% above tier (higher cost structure)
- - Delinquency rate 1.04% above tier average
- - Members Per Employee (MPE): Bottom 0.9% in tier
- - Total Delinquency Rate (60+ days): Bottom 3.4% in tier
- - Net Charge-Off Rate: Bottom 3.4% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
48,472
+21.4% YoY+2.2% QoQ
|
-3.0K |
51,500
+0.7% YoY
|
14,925
+15.2% YoY
|
33,913
+5.7% YoY
|
43% |
| Assets |
$867.3M
+23.9% YoY+1.2% QoQ
|
+$1.7M |
$865.6M
+0.9% YoY
|
$177.9M
+19.7% YoY
|
$578.3M
+9.0% YoY
|
52% |
| Loans |
$590.1M
+30.1% YoY+3.8% QoQ
|
$-5.2M |
$595.3M
+1.6% YoY
|
$116.7M
+17.0% YoY
|
$402.4M
+8.7% YoY
|
43% |
| Deposits |
$665.4M
+39.6% YoY+6.0% QoQ
|
$-76.8M |
$742.2M
+0.6% YoY
|
$143.1M
+20.8% YoY
|
$494.3M
+9.1% YoY
|
Bottom 13.7% in tier |
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| ROA | 0.0% | -0.7% |
0.8%
+45.0% YoY
|
-8.8%
-1402.3% YoY
|
0.4%
-39.2% YoY
|
Bottom 5.1% in tier |
| NIM |
3.1%
+6.2% YoY+4.8% QoQ
|
-0.3% |
3.5%
+6.1% YoY
|
4.5%
+3.7% YoY
|
3.8%
+4.1% YoY
|
30% |
| Efficiency Ratio |
84.2%
-13.7% YoY-0.7% QoQ
|
+8.7% |
75.5%
-3.4% YoY
|
182.9%
+107.2% YoY
|
84.6%
+2.8% YoY
|
78% |
| Delinquency Rate |
1.7%
-32.5% YoY-29.1% QoQ
|
+1.0 |
0.7%
-0.1% YoY
|
2.1%
+3.6% YoY
|
1.2%
+3.4% YoY
|
Bottom 3.4% in tier |
| Loan To Share |
88.7%
-6.8% YoY-2.0% QoQ
|
+8.1% |
80.6%
+0.7% YoY
|
65.1%
-3.9% YoY
|
65.6%
-1.4% YoY
|
65% |
| AMR |
$25,900
+11.2% YoY+2.7% QoQ
|
$-3K |
$28,908
+0.7% YoY
|
$12,313
+3.4% YoY
|
$19,920
+1.6% YoY
|
47% |
| CD Concentration |
25.2%
-18.5% YoY-6.4% QoQ
|
+0.9% | 24.3% | 19.6% | 19.8% | 54% |
| Indirect Auto % |
0.2%
-16.5% QoQ
|
-13.6% | 13.8% | 2.4% | 7.7% | 33% |
Signature Analysis
Strengths (3)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). 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 (2)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)