HOPE
Charter #220 · Bridgeport, WV · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 3.02% sits at the 20th percentile of structural peers — worth a closer look.
- Cost of funds of 2.08% sits at the 89th percentile of structural peers — worth a closer look.
- Efficiency ratio of 55.47% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 89th percentile but its structural peers at the 72nd — a 17-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 | HOPE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $43.49M | 89th pct | 72th pct |
| Members | 2,498 | 63th pct | 51th pct |
| Net worth ratio | 19.51% | 83th pct | 70th pct |
| Return on average assets | 1.17% | 75th pct | 62th pct |
| Net interest margin | 3.02% | 17th pct | 20th pct |
| Cost of funds | 2.08% | 91th pct | 89th pct |
| Loan-to-share | 55.56% | 47th pct | 48th pct |
| Delinquency 60+ days | 0.64% | 52th pct | 67th pct |
| Net charge-off ratio | 0.18% | 55th pct | 62th pct |
| Loan growth YoY | -0.93% | 63th pct | 67th pct |
| Share growth YoY | 8.36% | 92th pct | 90th pct |
| Efficiency ratio | 55.47% | 6th pct | 11th pct |
structural peer set hash: 4a8aa6cfe1233f5a4db561962374b1eb… (reproducible)
Closest structural peers
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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.