# HOPE
Bridgeport, WV · NCUA charter 220 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/hope-220

Who the members are: federal charter, multiple common bond, organized 1935. 2,498 members of 8,000 potential (31.2% of the field); checking penetration 20% (share draft accounts per 100 members); loans per 100 members 46.

**Verdict on the desk:** this could be *auto monoline*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $43.5M |
| Members | 2,498 (2.5% YoY) |
| Full-time staff | 4 |
| Net worth | $8.5M |
| Net worth ratio | 19.5% (p73 of band) |
| ROA (annualized) | 1.15% (p75 of band) |
| Total delinquency | 0.64% (p49 of band) |
| Net charge-offs (annualized) | 0.18% (p63 of band) |
| Loans / shares | 56% (p47 of band) |
| Cash / assets | 33.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.96% (p18 of band) |
| Operating expense / assets | 1.68% (p7 of band) |
| Vehicles % of loans | 67% (p59 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.78% (p59 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 18% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 66% |
| Certificates % of member funds | 29% |
| Average share balance | $9,788 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 46% |
| Loans granted per 100 members, annualized | 16% |
| Average loan balance | $17,005 |
| Loans granted, annualized | $9.2M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **delinquency rising** (`aq_dq_rising`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | auto monoline |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 2 | delinquency rising |  |
| 2018-12 | 3 | assets shrinking |  |
| 2019-03 | 2 |  | delinquency rising |
| 2019-06 | 3 | delinquency rising |  |
| 2019-09 | 2 |  | delinquency rising |
| 2019-12 | 1 |  | assets shrinking |
| 2020-03 | 2 | delinquency rising |  |
| 2020-06 | 2 | margin squeeze | delinquency rising |
| 2020-09 | 2 |  |  |
| 2020-12 | 3 | delinquency rising |  |
| 2021-03 | 4 | net worth falling |  |
| 2021-06 | 4 |  |  |
| 2021-09 | 2 |  | margin squeeze, net worth falling |
| 2021-12 | 1 |  | delinquency rising |
| 2022-03 | 2 | net worth falling |  |
| 2022-06 | 2 | members leaving | net worth falling |
| 2022-09 | 1 |  | members leaving |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 2 | delinquency rising |  |
| 2023-12 | 2 | net worth falling | delinquency rising |
| 2024-03 | 3 | delinquency rising |  |
| 2024-06 | 2 |  | net worth falling |
| 2024-09 | 1 |  | delinquency rising |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 2 | delinquency rising |  |
| 2026-03 | 3 | net worth falling |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-08-30 ['I never saw a banker in my neighborhood' - Former Obama advisor John Hope Bryant discusses new book, 'Capitalism For All' - Black By God](https://news.google.com/rss/articles/CBMilAJBVV95cUxQRkJmOU40dkF0THdrQ2V1Rkd2R2g1NmVEVUNDT1A3MEQtdmpTR2JzR3czem1sbzhOZEhUNk9uY2kxUll3dHhLWGFTbVBnVndnaldQa3hPa0xPUkEtZjNrcjZfMml0cUxUNDltZU5GS3NCQmo5MjhzcUtxWjcyZXdQc1VDTXVUV0w4Z2NfaG9XTUhHY3ZSRGRRMlRIelVaZVEya3ltX0ptN1RuUGY3bDlESjN6Q0gxVV80YzROR0VVeW9JM3VQc3ZLUUNYeWd2cUUwUFVBb2VDYkFwSTY3QTNsNEtfSWZKd3BuRk1XbTZkMndKV2IxOWZDZWZGd3p6eFl4ZTBRRHg3elNTbXhjRnpyQUhnTVE?oc=5) · Black By God
- 2026-03-17 [CDFI Assets Fell For The First Time In Years. Here’s What That Really Means. - Next City](https://news.google.com/rss/articles/CBMipAFBVV95cUxPelJxQVkxYzVnNDFick11ZmhyQVFJUjl6Sjd3bFYzRFF1ZjE2bU9JOVRyRDFGcDVHZ2dudDhmVnpVQ1J0Nmtnc0VDNm5sUXB6eUFtdnRvSG1rQ0hmZjJpUHZWU3BlamdqNHo5WUNYbW5mX194TUZmeW9BcXhQR1lmbGFIMTlNYm5wdGkzdWdjRjA2OHd6dmVhZjlMcWRxa1RnMmxmNA?oc=5) · Next City
- 2025-12-08 [Marquis Software Solutions Under Investigation for Data Breach of Over 780,000 Financial Records - Schubert Jonckheer & Kolbe](https://news.google.com/rss/articles/CBMickFVX3lxTE1vZVQ4bU5jSFVZOGJmZmVqbDJWLXBOcHcxWUZISVE3djVZZVM4ZHFaRTdFTk9vMGptMU5fY2NjMmNRRlRSX1BHVEJ6VjdDeHlSNEZIeTNYU2VoYVRaaDZqT2otMUJvaEROYWx3OWdlQmdIZw?oc=5) · Schubert Jonckheer &amp; Kolbe
- 2026-02-26 [NOVA receives $2,500 donation from American Heritage Federal Credit Union - buckscountyherald.com](https://news.google.com/rss/articles/CBMi_wFBVV95cUxNcEFlTGw5VHozRXBnYUhvanVXUTM5alpkaXlaWGw3VS1RVG9mUmd1S04yQWFZRzhuSlFtdnJNYVBBWTBuRlA0WW03Wm1kcHNJTGRWcWFrbVJqMlJ1MUV0d0hPM3dpTHpjZEp6ekhNSFhFOVVfV2JBQlZPcFhneWliVklhbnZxRExBdDlUWXdiMXNIVWh3VG5tNTA0SGN5N0NBQ3hndnlTemtCZF9DLVpDNkJLR3BkcFZzR0h2ck4zUkc2a0x2TDZ4UE4ySkZpVUJPa3NiaE9UQ3B1V1BYMVJEZlkwNzdsRUI2NFcyM0t1WE8xeFN5RWxCUC1sM2VSczA?oc=5) · buckscountyherald.com
- 2025-12-29 [Artist’s ‘Magnificat’ has brought joy, hope to Jubilee pilgrims in Diocese of St. Cloud - OSV News](https://news.google.com/rss/articles/CBMiqwFBVV95cUxQQlpISU5kZHhjWVZLclExZXotM0drMHYwdTdwTEh0SzViZWs0TmVkYUc2NWxrOFFBU0xqT1IwenBPVlBsUkc4YlZISnVZWjJnN3NnOVJHd2JjeGhJU3BWZXVLOFVnNFFCeS1MdjEyMnNmN1VDaFc4ZG5saGlPYzhLZmhqWlF2NHZRLTgwdVpyRFh5QUVNMjczdk85dGtxLTQ2R083cHpudDhKclE?oc=5) · OSV News
- 2026-03-31 [North Philly Has a New Option To Invest in a Future It Sees For Itself - Next City](https://news.google.com/rss/articles/CBMiogFBVV95cUxOVW5Cd1V2eHJ0dmYyaEdOSHNHMVI5cmRjRzdXczBubEhFRkZMYTFhTTU1ZjR1cDFuRzFKNmJwM0Z5dEZ6WTVubmFWc0xrZl9ONXdTS0JNYlRaM25WWkgyUUZuSWhSUU0wdFlkTDZQS1c1WVF5c195emExN25xVzkyR0NDWmpyQmpkenhObHNVQUNpVEJZNmZWcVZmZXE4YkdNaXc?oc=5) · Next City
- 2024-12-31 [36 Black-Owned Banks and Credit Unions, Sorted by State - businessinsider.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxQR2dKWjVxQ3RoR1BRQi0xZG5sYWowMmFaaF9xWUxVTkZiYlMtTGlTcGgtcGxCZldrMHd2VEQzOWFDNjFUMFVtM1lkNHFEc1gzYU1zMWdVTm1NNk1UWlpESUdBalRXZ3ZMSlNkX0x0ZHB4cVcybF9TN1R0b1NxZVh4TEhReEJ1SVg2dU5TY0tpTnhIdw?oc=5) · businessinsider.com
- 2017-10-25 [Fairmont Federal Credit Union to open new 12th Street location - WV News](https://news.google.com/rss/articles/CBMi6AFBVV95cUxNbXMtMUFCZXplVFlaZG5zekNDclU4M0psNF9wd1RYTHFTRU1YQ0JxVkNHOW40TlV3MURUcVhKZS1CNFFyM05CNHczSC02dW80cnRSRXJzTGNGN0dfZUlTOUcteEhFdU5rR1AzLW1IUE1OSnhfTHZHcFJwdGlZd1pPcG9jN0FzeXh4RlNuMDd0LXR5Q04yWEFRTVF0V1B0LU1WeDdudVBZcEJmeEdyTE0xaFF6MzlGTi1VZ0QtdlFoTXI3bVZZUkRTMEE2dVhMajJJYl9xLU05SnFad3ZDMzYzVmw5U3VTZjA5?oc=5) · WV News

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=220 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/28.json (key "220", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=220
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide