Federal credit union · JACKSON, Mississippi · NCUA charter #24829
Hope
Health score 47/100 (Below Average) - from the NCUA 5300 Call Report, 2025Q4.
- 47
- Health / 100
- $856.7M
- Total assets
- 47,441
- Members
- 0.8%
- Net-worth ratio
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 - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)7
- Asset quality (delinquency)39
- Earnings (ROA)38
- Member growth100
- Liquidity (loan-to-share)98
Weighted composite: 47/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 0.82%, this institution is below the 7.0% NCUA well-capitalized threshold.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 0.82% | 30% |
| Delinquency Rate | 2.43% | 25% |
| Return on Assets | 0.03% | 15% |
| Member Growth | 19.97% | 15% |
| Loan-to-Share Ratio | 90.50% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Hope
Headquartered in JACKSON, Mississippi, Hope is a federal credit union with 47,441 members, $856.7M in total assets, and $568.2M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 47/100 (Below Average), driven in part by a net worth ratio of 0.82% - relative to the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #24829 and reports within peer group Over $500M, a cohort of 749 similarly-sized institutions.
Two more numbers round out the picture: a 2.43% delinquency rate (loans 60+ days past due against the total book) - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running looser than peers - and a 90.50% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.03% on net income of $240K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 19.97%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Community/Select Employee Group); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
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.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Hope financially healthy?
Yes/no aside, the number is 47/100 (Below Average) - Hope's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 0.82% net worth ratio and 2.43% delinquency rate are the key drivers.
How does Hope compare to other credit unions?
47/100 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 0.82% is relative to 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.
Read our methodology - how this data is sourced, computed, and verified.
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.