HOPE
Charter #24829 · JACKSON, MS · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 16.44% ranks in the 93rd percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 0.03% sits at the 0th percentile of structural peers — worth a closer look.
- Cost of funds of 2.56% sits at the 87th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.72% sits at the 89th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.74% sits at the 98th percentile of structural peers — worth a closer look.
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 | $867.35M | 81th pct | 46th pct |
| Members | 48,472 | 70th pct | 52th pct |
| Net worth ratio | 16.44% | 97th pct | 93th pct |
| Return on average assets | 0.03% | 7th pct | 0th pct |
| Net interest margin | 3.15% | 27th pct | 44th pct |
| Cost of funds | 2.56% | 94th pct | 87th pct |
| Loan-to-share | 88.68% | 73th pct | 52th pct |
| Delinquency 60+ days | 1.72% | 98th pct | 89th pct |
| Net charge-off ratio | 1.74% | 98th pct | 98th pct |
| Loan growth YoY | 14.69% | 98th pct | 97th pct |
| Share growth YoY | 14.39% | 97th pct | 93th pct |
| Efficiency ratio | 84.22% | 75th pct | 80th pct |
structural peer set hash: e03cc247e569a20a8b5cfc1e18306ef9… (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.