HOPESOUTH
Charter #20824 · Abbeville, SC · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 25.82% ranks in the 93rd percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 5.70% ranks in the 98th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 1.22% sits at the 82nd percentile of structural peers — worth a closer look.
- On Members, the asset-size band puts this credit union at the 89th percentile but its structural peers at the 51st — a 38-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | HOPESOUTH | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $38.33M | 79th pct | 49th pct |
| Members | 3,851 | 89th pct | 51th pct |
| Net worth ratio | 25.82% | 95th pct | 93th pct |
| Return on average assets | 1.41% | 83th pct | 64th pct |
| Net interest margin | 5.70% | 98th pct | 98th pct |
| Cost of funds | 0.95% | 56th pct | 54th pct |
| Loan-to-share | 55.79% | 48th pct | 43th pct |
| Delinquency 60+ days | 1.03% | 69th pct | 72th pct |
| Net charge-off ratio | 1.22% | 89th pct | 82th pct |
| Loan growth YoY | 0.13% | 71th pct | 72th pct |
| Share growth YoY | 5.34% | 77th pct | 70th pct |
| Efficiency ratio | 78.08% | 44th pct | 61th pct |
structural peer set hash: 1f2a64e9e16dad4e13afc87a3f18277a… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.