Federal credit union · Abbeville, South Carolina · NCUA charter #20824
HOPESOUTH
Health score 75/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 75
- Health / 100
- $37.1M
- Total assets
- 3,829
- Members
- 25.8%
- Net-worth ratio
HOPESOUTH scores 75/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $37.1M; members 3,829; net-worth ratio 25.82%; health rank #3,225 of 4,374; healthier than 24th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,225 of 4,374 health · 2025Q4HOPESOUTH · health 75/100 · $37.1M · 2025Q4
Call Report peers
HOPESOUTH in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
HOPESOUTH vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); HOPESOUTH 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
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where HOPESOUTH diverges from peer averages
- Net Worth Ratio leads the peer set - 25.82% here, 14.86% peer average (+10.96 pp).
- Delinquency Rate trails the peer set - 3.57% here, 1.15% peer average (+2.43 pp).
South Carolina standing for HOPESOUTH
- In South Carolina, health place is #38 of 46 on the same NCUA-ratio sort used nationally.
- Assets rank #34 of 46 inside South Carolina ($37.1M reported).
- Membership ranks #34 of 46 among South Carolina CUs with a reported count (3,829 members).
- One place up in South Carolina, Carolina Foothills (#37) scores 76/100, 1 point higher; one place down, Columbia Post Office (#39) scores 71/100, 4 points lower.
Quarter path for HOPESOUTH
HOPESOUTH: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.2% from $37.1M (2025Q4) to $38.3M (2026Q1).
- Net-worth ratio shifted -0.47 pp (26.29% → 25.82%).
25.82% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 75/100 score is built
HOPESOUTH gives up 25 points in total. Delinquency Rate costs the most, 22.3 of its 25; Net Worth Ratio and Return on Assets and Member Growth score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 2.7 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 12.3 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 25.82% | +10.96 pp |
| Delinquency Rate | 3.57% | +2.43 pp |
| Return on Assets | 1.91% | +1.20 pp |
| Member Growth | 5.02% | - |
| Loan-to-Share Ratio | 57.71% | -2.09 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $38.3M | - |
| 2025Q4 | $37.1M | 3,829 |
| 2024Q4 | $35.7M | 3,646 |
| 2023Q4 | $32.6M | 3,527 |
Credit Union Details
- Charter Number
- 20824
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- South Carolina
- City
- Abbeville
- Data Quarter
- 2025Q4
Branch Locations (3)
Per its most recent NCUA branch filing, HOPESOUTH runs 3 offices in 2 different cities across 2 states.
| Office | City |
|---|---|
| Main Branch (Main Office) | Abbeville, SC |
| Drive-Up Branch | Abbeville, SC |
| Fiserv Solutions, LLC | Brookfield, WI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in South Carolina
More federally-insured credit unions based in South Carolina, ordered by peer group match and asset size.
HOPESOUTH nationwide neighbourhoods
Similar total assets
Similar health score
Using this data
- HOPESOUTH ranks #3,225 of 4,374 nationally on financial health and #38 of 46 in SC -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Pee Dee is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Pee Dee
Frequently Asked Questions
Is HOPESOUTH financially healthy?
HOPESOUTH has a financial health score of 75/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,225 of 4,374 nationally on health and #38 of 46 in South Carolina. Its net worth ratio is 25.82% and its delinquency rate 3.57%.
How does HOPESOUTH compare to other credit unions?
HOPESOUTH scores 75/100, higher than 24% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is net worth ratio (25.82% vs 14.86%). Its widest shortfall is delinquency rate (3.57% vs 1.15%).
How can I join HOPESOUTH?
HOPESOUTH 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 HOPESOUTH directly for the exact boundaries and application steps.
Is my money safe at HOPESOUTH?
HOPESOUTH 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. HOPESOUTH's net worth ratio of 25.82% 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.