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
- BOOK 75/100
- CHARTER 25.8%
- NCUSIF 3.57%
- CAMELS 1.91%
- HEALTH $37.1M
- NW 3,829
- DELQ #3,225/4,374
- ROA TEACHERS
- ASSETS 20824
Call Report peers
HOPESOUTH in the assets neighbourhood
HOPESOUTH's $37.1M assets sit next to TEACHERS ($37.2M) 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.
HOPESOUTH 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
HOPESOUTH - Share Insurance Coverage
Charter #20824's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
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).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for SC only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for HOPESOUTH
HOPESOUTH: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.2% from $37.1M (2025Q4) to $38.3M (2026Q1).
- Net-worth ratio shifted -0.47 pp (26.29% → 25.82%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 75.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
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
Cross-state asset and health neighbours for HOPESOUTH - kept outside South Carolina; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($37.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (75/100 here).
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
- Rates and health both vary by institution, not just by state -- see how South Carolina credit unions compare overall before assuming this one is typical. South Carolina 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 HOPESOUTH financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, HOPESOUTH carries a financial health score of 75/100 (Very Good). On the national health ranking (same basis as /rankings/healthiest), it sits at #3,225 of 4,374; by total assets it ranks #2,674 of 4,374 nationally (same basis as /rankings/largest); and #34 of 46 within South Carolina. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 25.82% net worth ratio and a 3.57% delinquency rate.
How does HOPESOUTH compare to other credit unions?
75/100 is HOPESOUTH's score on PlainCU's health composite, compared to a peer group average for $10M–$50M 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 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?
Federal credit unions like HOPESOUTH 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. HOPESOUTH's net worth ratio of 25.82% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does HOPESOUTH offer compared to banks?
Credit unions like HOPESOUTH 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 HOPESOUTH 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.