Hope Federal Credit Union
Jackson, MS·Charter 24829·cu:24829·CCULR opted in
- #2 of 55Total assets in Mississippi
- 49.7Kmembers
- Top 1%Share growth in the U.S.
- Top 1%Fee income vs. peers
- Top 1%Member growth in the U.S.
Performance over time
7 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
Credit union · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at Hope Federal Credit Union
12 of 24 FORFI signals stand out against 569 similar credit unions, based on NCUA data for the quarter.
Margin squeezed by funding costsWorth a look: Earnings FORFI signal2.76%peers 3.67%-91 bps
Hope Federal Credit Union's net interest margin lagged similar credit unions as its cost of shares and deposits failed to fall as quickly.
| This institution | Peer median | Difference |
|---|---|---|
| Net interest margin on average assets | ||
| 2.76% | 3.67% | -91 bps |
| Cost of all shares and deposits | ||
| 2.13% | 1.45% | +69 bps |
With internal data, FORFI would look at: Which relationships and products carry the rates behind the gap, and where pricing has drifted.
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 569 credit unions with $300 million to $1 billion in assets that filed NCUA data for the same quarter. Hope Federal Credit Union itself is left out of every peer median and percentile. How signals work
Net worth ratio falling while the peer median risesWorth a look: Capital 2nd quarter16.18%peers 11.03%+5.2 pp
Hope Federal Credit Union's net worth ratio fell 4.3 percentage points over the past year to 16.18%. Among 563 similar credit unions, the median rose 0.3 percentage points.
| This institution | Peer median | Difference |
|---|---|---|
| Net worth ratio | ||
| 16.18% | 11.03% | +5.2 pp |
| 12-month change | ||
| -4.3 pp | +0.3 pp | -4.6 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 569 credit unions with $300 million to $1 billion in assets that filed NCUA data for the same quarter. Hope Federal Credit Union itself is left out of every peer median and percentile. How signals work
Borrowed funding falling while the peer median holds steadyNotable: Funding 2nd quarter25.9%peers 0.0%+25.9 pp
Hope Federal Credit Union's borrowings as a share of assets fell 6.2 percentage points over the past year to 25.9%. Among 563 similar credit unions, the median was essentially unchanged.
| This institution | Peer median | Difference |
|---|---|---|
| Borrowings as a share of assets | ||
| 25.9% | 0.0% | +25.9 pp |
| 12-month change | ||
| -6.2 pp | 0.0 pp | -6.2 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 569 credit unions with $300 million to $1 billion in assets that filed NCUA data for the same quarter. Hope Federal Credit Union itself is left out of every peer median and percentile. How signals work
Loans growing faster than peersStrength: Lending 2nd quarter+28.4%peers +4.1%+24.3 pp
Hope Federal Credit Union's loans grew 28.4% over the past year to $627 million. The median among 563 similar credit unions was +4.1%.
| This institution | Peer median | Difference |
|---|---|---|
| Loans, 12-month growth | ||
| +28.4% | +4.1% | +24.3 pp |
| Loans | ||
| $627 million | ||
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 569 credit unions with $300 million to $1 billion in assets that filed NCUA data for the same quarter. Hope Federal Credit Union itself is left out of every peer median and percentile. How signals work
Membership growing faster than peersStrength: Membership 2nd quarter+22.4%peers +0.5%+21.9 pp
Hope Federal Credit Union's membership grew 22.4% over the past year. The median among 563 similar credit unions was +0.5%.
| This institution | Peer median | Difference |
|---|---|---|
| Membership, 12-month growth | ||
| +22.4% | +0.5% | +21.9 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 569 credit unions with $300 million to $1 billion in assets that filed NCUA data for the same quarter. Hope Federal Credit Union itself is left out of every peer median and percentile. How signals work
7 more observations
- Share and deposit costs rising while the peer median fallsFunding
- Net interest margin narrowing while the peer median widensEarnings
- Shares and deposits growing faster than peersFunding
- Fee and other noninterest income among the highest of similar credit unionsEarnings
- Delinquent loans falling while the peer median risesAsset quality
- Reliance on share certificates falling while the peer median risesFunding
- Total assets growing faster than peersGrowth
Key facts
- Hope Federal Credit Union is a federally chartered credit union headquartered in Jackson, Mississippi. It reported $881 million in total assets for the quarter ended June 30, 2026.
- Shares and deposits totaled $629 million, up 27.9% from a year earlier, and loans totaled $627 million, up 28.4%.
- Its net interest margin on average assets was 2.76% and its annualized return on assets was 0.03% for the quarter.
- Its cost of all shares and deposits was 2.13%, compared with a median of 1.45% among 566 similar credit unions with $300 million to $1 billion in assets.
- It served 49,735 members, up 22.4% from a year earlier.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With Hope Federal Credit Union's own data, FORFI would look at: Which relationships and products carry the rates behind the gap, and where pricing has drifted.
Analysis workspaces
Sources and identifiers
- Institution
- Hope Federal Credit Union · Credit union
- NCUA charter
- 24829
- Reporting period
- Peer group
- 569 credit unions with $300 million to $1 billion in assets that filed NCUA data for the same quarter. Hope Federal Credit Union itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
NCUA · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation |
|---|---|
| $60.2K | |
| $10.52M | |
| $4.51M | |
| $6.01M | |
| $8.29M | |
| $11.84M | |
| $2.4M | |
| $2.4M | |
| 0.03% | |
| 2.76% | |
| 82.79% |
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-16T13:43:41.229347+00:00. Separate reference provenance is included in the export.