Federal credit union · Bridgeport, West Virginia · NCUA charter #220
HOPE
Health score 92/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 92
- Health / 100
- $41.6M
- Total assets
- 2,577
- Members
- 19.5%
- Net-worth ratio
HOPE scores 92/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $41.6M; members 2,577; net-worth ratio 19.51%; health rank #722 of 4,374; healthier than 80th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#722 of 4,374 health · 2025Q4HOPE · health 92/100 · $41.6M · 2025Q4
Call Report peers
HOPE in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
HOPE vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); HOPE sits in 90-94 with 747 others.
92 Top 20% higher than 80% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
HOPE: Call Report deltas vs peers
- Strongest edge vs 1163 $10M–$50M peers is Net Worth Ratio: +4.65 pp (19.51% vs 14.86%).
- Widest shortfall vs peers is Loan-to-Share Ratio: -2.85 pp (56.95% vs 59.80%).
Where HOPE sits in West Virginia
- West Virginia health ordinal: #9 of 74.
- Assets rank #27 of 74 inside West Virginia ($41.6M reported).
- West Virginia membership ordinal: #34 of 74.
- One place up in West Virginia, Long Reach (#8) scores 93/100, 1 point higher; one place down, One Community (#10) scores 91/100, 1 point lower.
HOPE Call Report trajectory
HOPE: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +4.6% from $41.6M (2025Q4) to $43.5M (2026Q1).
- Net-worth ratio shifted -0.60 pp (20.11% → 19.51%).
19.51% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 92/100 score is built
HOPE gives up 8 points in total. Member Growth costs the most, 4.6 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 10.4 pts
- Loan-to-Share Ratio 11.6 pts
HOPE health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 19.51% | +4.65 pp |
| Delinquency Rate | 0.08% | -1.07 pp |
| Return on Assets | 0.91% | +0.21 pp |
| Member Growth | 1.18% | - |
| Loan-to-Share Ratio | 56.95% | -2.85 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $43.5M | - |
| 2025Q4 | $41.6M | 2,577 |
| 2024Q4 | $39.4M | 2,547 |
| 2023Q4 | $38.3M | 2,356 |
Credit Union Details
- Charter Number
- 220
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- West Virginia
- City
- Bridgeport
- Data Quarter
- 2025Q4
Branch Location
HOPE operates a single office in Bridgeport, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Hope Federal Credit Union (Main Office) | Bridgeport, WV |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in West Virginia
More federally-insured credit unions based in West Virginia, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
Similar total assets
Using this data
- HOPE ranks #722 of 4,374 nationally on financial health and #9 of 74 in WV -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Kemba Charleston is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Kemba Charleston
Frequently Asked Questions
Is HOPE financially healthy?
On its 2025Q4 NCUA 5300 filing, HOPE scores 92/100 (Excellent), with a 19.51% net worth ratio and 0.08% of loans delinquent. It ranks #722 of 4,374 nationally on health and #9 of 74 in West Virginia.
How does HOPE compare to other credit unions?
HOPE scores 92/100, higher than 80% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is net worth ratio (19.51% vs 14.86%). Its widest shortfall is loan-to-share ratio (56.95% vs 59.80%).
How can I join HOPE?
HOPE operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact HOPE directly for the exact boundaries and application steps.
Is my money safe at HOPE?
HOPE is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. HOPE's net worth ratio of 19.51% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.