Hopesouth

Abbeville, SC · 1 · Charter #20824 · www.hopesouth.org
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$37.1M
86th percentile
Members
3,829
93th percentile
Total loans
$15.6M
80th percentile
Total shares
$27.0M
80th percentile

Profitability

Return on assets
2.24%
94th percentile
Net interest margin
5.93%
94th percentile
Efficiency ratio
66.75%
50th percentile
Non-interest income ratio
25.37%
91th percentile

Capital & Risk

Net worth ratio
26.29%
88th percentile
Delinquency rate
3.57%
12th percentile
Net charge-off rate
0.85%
21th percentile
Loan-to-share
57.71%
47th percentile

Growth

Member growth YoY
5.02%
93th percentile
Asset growth YoY
3.97%
68th percentile
Loan growth YoY
7.33%
85th percentile
Share growth YoY
3.52%
67th percentile

Operations

Members / branch
1,915
76th percentile
Assets / member
$9,701
54th percentile
Field of membership penetration
5.89%
19th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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