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
- ROA 75/100
- ASSETS 16.4%
- MEM 2.43%
- RANK 0.03%
- PHOTO $856.7M
- BOOK 47,441
- CHARTER #3,248/4,374
- NCUSIF Central One
- CAMELS 24829
Call Report peers
HOPE in the assets neighbourhood
HOPE's $856.7M assets sit next to Central One ($858.4M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
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 - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #24829, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
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).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for MS only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for HOPE
HOPE: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.2% from $856.7M (2025Q4) to $867.3M (2026Q1).
- Net-worth ratio shifted -0.57 pp (17.01% → 16.44%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 75.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
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
Two NCUA Call Report peer sets for HOPE, both outside Mississippi so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($856.7M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (75/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Mississippi credit unions compare overall before assuming this one is typical. Mississippi state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is HOPE financially healthy?
Yes/no aside, the number is 75/100 (Very Good) - HOPE's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,248 of 4,374; by total assets it ranks #529 of 4,374 nationally (same basis as /rankings/largest); and #2 of 55 within Mississippi. Above 80 reads excellent, below 50 warrants closer monitoring; a 16.44% net worth ratio and 2.43% delinquency rate are the key drivers.
How does HOPE compare to other credit unions?
75/100 is HOPE's score on PlainCU's health composite, compared to a peer group average for Over $500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 15%.
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like HOPE are 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."
What rates does HOPE offer compared to banks?
Credit unions like HOPE are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact HOPE directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.