Federal credit union · JACKSON, Mississippi · NCUA charter #24829
HOPE
Health score 75/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 75
- Health / 100
- $856.7M
- Total assets
- 47,441
- Members
- 16.4%
- Net-worth ratio
HOPE scores 75/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $856.7M; members 47,441; net-worth ratio 16.44%; health rank #3,248 of 4,374; healthier than 24th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#3,248 of 4,374 health · 2025Q4HOPE · health 75/100 · $856.7M · 2025Q4
Call Report peers
HOPE in the assets neighbourhood
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HOPE vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); HOPE sits in 75-79 with 502 others.
75 24th percentile higher than 24% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
HOPE: Call Report deltas vs peers
- Largest favorable gap: Loan-to-Share Ratio at 90.50% vs peer 83.90% (+6.60 pp).
- Delinquency Rate trails the peer set - 2.43% here, 0.87% peer average (+1.55 pp).
Mississippi standing for HOPE
- In Mississippi, health place is #39 of 55 on the same NCUA-ratio sort used nationally.
- Mississippi assets place: #2 of 55.
- Mississippi membership ordinal: #3 of 55.
- One place up in Mississippi, Eagle Express (#38) ties at 75/100; one place down, First Unity (#40) ties at 75/100.
Quarter path for HOPE
HOPE: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.2% from $856.7M (2025Q4) to $867.3M (2026Q1).
- Net-worth ratio shifted -0.57 pp (17.01% → 16.44%).
At 16.44%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 75/100 score is built
HOPE gives up 25 points in total. Delinquency Rate costs the most, 15.2 of its 25; Net Worth Ratio and Member Growth score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 9.8 pts
- Return on Assets 5.8 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 14.4 pts
HOPE vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 16.44% | +5.26 pp |
| Delinquency Rate | 2.43% | +1.55 pp |
| Return on Assets | 0.03% | -0.48 pp |
| Member Growth | 19.97% | - |
| Loan-to-Share Ratio | 90.50% | +6.60 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
HOPE quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $867.3M | - |
| 2025Q4 | $856.7M | 47,441 |
| 2024Q4 | $682.8M | 39,544 |
| 2023Q4 | $579.2M | 39,199 |
Credit Union Details
- Charter Number
- 24829
- Type
- Federal
- Field of Membership
- Community/Select Employee Group
- Peer Group
- Over $500M
- State
- Mississippi
- City
- JACKSON
- Data Quarter
- 2025Q4
Branch Locations (26)
HOPE operates 26 offices across 18 cities, spanning 5 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Hope Main Office (Main Office) | Jackson, MS |
| Biloxi | Biloxi, MS |
| Parkway East | Birmingham, AL |
| College Station | College Station, AR |
| Drew Branch | Drew, MS |
| Greenville | Greenville, MS |
| Itta Bena | Itta Bena, MS |
| University Blvd | Jackson, MS |
| Medical Mall | Jackson, MS |
| East River Place | Jackson, MS |
| Little Rock Branch | Little Rock, AR |
| Louisville Branch | Louisville, MS |
| Madison Ave | Memphis, TN |
| Harvester Lane | Memphis, TN |
| Ridgeway Rd | Memphis, TN |
| Crosstown | Memphis, TN |
| Montgomery | Montgomery, AL |
| McGehee Rd, Montgomery | Montgomery, AL |
| Moorhead | Moorhead, MS |
| O.C. Haley | New Orleans, LA |
| Elysian Fields | New Orleans, LA |
| Shaw Branch | Shaw, MS |
| Terry MS Branch | Terry, MS |
| Utica | Utica, MS |
| West Memphis | West Memphis, AR |
| West Point | West Point, MS |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Mississippi
A look at other Mississippi credit unions, ranked by how closely their peer group and asset size match this one.
Other-state peers near HOPE
Using this data
- HOPE ranks #3,248 of 4,374 nationally on financial health and #39 of 55 in MS -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- KEESLER is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with KEESLER
Frequently Asked Questions
Is HOPE financially healthy?
HOPE has a financial health score of 75/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,248 of 4,374 nationally on health and #39 of 55 in Mississippi. Its net worth ratio is 16.44% and its delinquency rate 2.43%.
How does HOPE compare to other credit unions?
HOPE scores 75/100, higher than 24% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (90.50% vs 83.90%). Its widest shortfall is delinquency rate (2.43% vs 0.87%).
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 16.44% 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.