# HOPE
JACKSON, MS · NCUA charter 24829 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/hope-24829

Who the members are: federal charter, multiple common bond, organized 1995, low-income designated, minority depository institution. 48,472 members of 160,000 potential (30.3% of the field); checking penetration 44% (share draft accounts per 100 members); loans per 100 members 116.

**Verdict on the desk:** this could be *stressed*. Composite score 5 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $867.3M |
| Members | 48,472 (21.4% YoY) |
| Full-time staff | 285 |
| Net worth | $142.6M |
| Net worth ratio | 16.4% (p96 of band) |
| ROA (annualized) | 0.03% (p7 of band) |
| Total delinquency | 1.72% (p98 of band) |
| Net charge-offs (annualized) | 1.71% (p98 of band) |
| Loans / shares | 89% (p73 of band) |
| Cash / assets | 9.0% |
| Borrowings / assets | 21.00% |
| Net interest margin | 3.13% (p28 of band) |
| Operating expense / assets | 5.50% (p98 of band) |
| Vehicles % of loans | 6% (p4 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 4% |
| Third-party paper % of net worth | 1% (p16 of band) |
| Vehicle delinquency | 0.88% (p69 of band) |
| Vehicle NCO | 7.43% (p100 of band) |
| Repossessed % of vehicle book | 0.00% (p18 of band) |
| Real estate % of loans | 45% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 191% |
| Core shares % of member funds | 29% |
| Certificates % of member funds | 25% |
| Average share balance | $10,156 |
| Participations bought / yr | $0 |
| Participations sold / yr | $767,740 |
| Participations outstanding | $17.5M |
| Loans outstanding per 100 members | 116% |
| Loans granted per 100 members, annualized | 4% |
| Average loan balance | $10,503 |
| Loans granted, annualized | $144.3M |

## Participation posture (from the same filings)

Bought $0 and sold $767,740 in the latest annualized quarter; $17.5M outstanding purchased (12.3% of net worth), $19.7M sold and retained. Sold in 7 and bought in 3 of the last 8 quarters. Shares 39.6% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **expense trap** (`earn_opex`)
- **delinquency 2x band** (`aq_dq_high`)
- **charge-offs p90** (`aq_nco_high`)
- **leaning on borrowings** (`str_borrowings`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | expense trap, delinquency 2x band, leaning on borrowings |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 4 | loans>95% of shares |  |
| 2016-12 | 4 | net worth falling | loans>95% of shares |
| 2017-03 | 5 | loans>95% of shares |  |
| 2017-06 | 5 |  |  |
| 2017-09 | 4 |  | net worth falling |
| 2017-12 | 3 |  | loans>95% of shares |
| 2018-03 | 3 |  |  |
| 2018-06 | 3 |  |  |
| 2018-09 | 5 | thin capital, net worth falling |  |
| 2018-12 | 3 |  | thin capital, net worth falling |
| 2019-03 | 4 | charge-offs p90 |  |
| 2019-06 | 4 | loans>95% of shares | charge-offs p90 |
| 2019-09 | 4 |  |  |
| 2019-12 | 5 | net worth falling |  |
| 2020-03 | 7 | delinquency rising, members leaving |  |
| 2020-06 | 8 | thin capital, margin squeeze | loans>95% of shares |
| 2020-09 | 6 |  | net worth falling, delinquency rising |
| 2020-12 | 6 |  |  |
| 2021-03 | 4 |  | expense trap, members leaving |
| 2021-06 | 3 | expense trap | thin capital, margin squeeze |
| 2021-09 | 5 | thin capital, members leaving |  |
| 2021-12 | 4 |  | thin capital |
| 2022-03 | 5 | charge-offs p90, assets shrinking | members leaving |
| 2022-06 | 4 |  | assets shrinking |
| 2022-09 | 4 |  |  |
| 2022-12 | 3 |  | charge-offs p90 |
| 2023-03 | 4 | net worth falling |  |
| 2023-06 | 3 |  | net worth falling |
| 2023-09 | 3 |  |  |
| 2023-12 | 4 | net worth falling |  |
| 2024-03 | 5 | margin squeeze |  |
| 2024-06 | 5 | delinquency rising | margin squeeze |
| 2024-09 | 4 |  | delinquency rising |
| 2024-12 | 4 |  |  |
| 2025-03 | 5 | loans>95% of shares |  |
| 2025-06 | 5 |  |  |
| 2025-09 | 4 |  | loans>95% of shares |
| 2025-12 | 4 |  |  |
| 2026-03 | 5 | charge-offs p90 |  |

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

- 2025-11-20 [HOPE Credit Union review 2026: Showstopping checking account APY, but only in these 5 states - Fortune](https://news.google.com/rss/articles/CBMiY0FVX3lxTE5OczV4ZUw5LWNtQmZmQTNia2hsVFNjNm5RT1Fzc2JncGhvLUJHSjF6S05kLVd6Nm9DLVpwbmxYX0xHLXhsbzNGd0phS2lqR0lEdWl1clZ5ZGZHdlI1SHlJYUMzNA?oc=5) · Fortune
- 2026-01-30 [Hope Credit Union Review 2026: Savings, Checking and CDs - NerdWallet](https://news.google.com/rss/articles/CBMibEFVX3lxTE1CVUhPUzJ4eUVlcHJ6azBKb1AyeS04ckdWQUNjQWVNV3JDY19tSHhRamd2WVFKVll1Y3BrZGRoSkd1TWpGNVZKRnJ3bzF3VEhyd2ZiaXZTd1FWa2wtYVo4SjZHY2tPWndzb0poaQ?oc=5) · NerdWallet
- 2026-09-01 [Delta Fest returns to Jackson with focus on Deep South’s $270 billion boom - The Clarion-Ledger](https://news.google.com/rss/articles/CBMi1gFBVV95cUxPaDRNM0tORFFyTDh3TzBWVi00YkU4ZlVmNkVZUFFHSnZfMFk4QUtzVjlwellRbzFQLWJNMUdrc0FrUmo0QnNLSXl2S2ViNGIzUUxLQmphUnp3a081cUhKNjh0SUpJcVdFbl8yaFVHSTVtZ3Z1azJNdmdzcnVPQVU4T1VEYmNSVGlTeUNiN0tCWHJ2UWVVVC1aNVQyY1lMWjNVVXJlbUVtQWtFVXE3eUlYWDF2MEpoby1oRldDRkpNdW1NaEY3X3dnVGVJMGFhWlBfZzFKUmhR?oc=5) · The Clarion-Ledger
- 2025-12-02 [New HOPE Economic Empowerment Center opens in Jackson - WJTV](https://news.google.com/rss/articles/CBMilgFBVV95cUxPd2tZQ0xhb2VqVjg1STIyOHJMb2JtRzQtNTlacEtONDl2RHloSWY5RFI5UVhrbnp1TjR1REpybkxjc1d4c1k2eldvLWVhcDRUQXhCNEhSZDlnRXlkWVg4c3lJa2E3TGpraG55d2FIcWRZSHZYb2d6RXdkblVwYS1OLWxsc1BxVHYzM1hZdWdfUFRiQkg5bHfSAZsBQVVfeXFMTVVvZjdLN1RUZjZtNXUxY2JCWm5PY1JyVzFBNG9xWHlqS0dxZjFYUS1Oam5Ob3hUODNCOUh1WXFWaTBqaGxteGZhTEJzT3ZpNFdna1JpbnBmWVJWV0hQclZCS1R5VEQ0S0RnYXNfdW1BMVJUX1d0NzF4YmhXamc0YlJjRXdFNHpLdGFHU2JoQWVtcG5QZnI3a3YyYTQ?oc=5) · WJTV
- 2025-12-02 [Economic empowerment center opens in Jackson - WLBT](https://news.google.com/rss/articles/CBMif0FVX3lxTFBySmowRlpCOEdJS1JBQlFDRzQyVERBaTJaQXI5Mi1uTjJHclhaT2ZkMjlBc0JRTTFTbG91YzQzYlN2YlRMTzJTZTF2elg5cGJRd1VXZjFMSXJnWTRlc0wxVmhfc0xvMzZERzI5Zy03dElBZG5pa3hQLXY5Tnc4elnSAZMBQVVfeXFMTVF0TGYtcU1UMHlZX3dwWUN6aUxjR3BTNi1CRXRuQXQyLVVIdWFCTXR1dEd0b2pLcGluUlh4blNnTWcyMFVrYlAtMW9EeEk1N2Fyb3djd0kyRUxLR0ZOLUZPX1pDQ3JKMUh4ZFJ0SUNxLXEtOU44ZEE0SG04RUU5bzFuUUxSMldjNTlsUUM1T1hUeGs0?oc=5) · WLBT
- 2026-02-05 [Building Equity and Opportunity in the Mississippi Delta - Enterprise Community Partners](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQb01tVWg3S2loaG9VaDdRRzVQd2lzWXRwRk8wNnd1M0w3c1ZNQmZsREowenU0ejdicFhnUGFETjdCRHBDa1c0TmtCeEUzMldxMGNlejN4bFJhVWFZeUF1aUJjTDBWdkRDc1ZadUtfWncyWDd1c3k3QkFpMjh1T0h0QXJSbExta0FTenpYaUQ0UjRVU1hJU3pIVlpqcjRLVkJZby1JdkQxV2hCZw?oc=5) · Enterprise Community Partners
- 2025-12-08 [Mayor John Horhn joins HOPE Credit Union to celebrate opening of the new HOPE Economic Empowerment Center - Jackson Advocate](https://news.google.com/rss/articles/CBMi1wFBVV95cUxOb3hKeUs0YzVhbllUek4tQ0hJc1E3VmQ3VnVGWU1CZnJoNUgxbk5jZXlPUFh6MUV2MmRlMlc0VkpIXzhSM2pUX0JtV0ZmUlY0MTh1SjN2S3doeElfU1hwZFY2cW5Talh2Ui1vRGJGNTlkd2ZJRmNnWXpNZjlZc20tYkpqRHBTNHRJMGVGXzV6UV9NeTVKWmFFaHNBemFGMWtOaUtyYm5CelVKajJVbUptWXdMNVVNR18yNWV1TkM2Mi1HaWJZeTU5RTk2SGkwaGJTd0IwS0ZpSQ?oc=5) · Jackson Advocate
- 2021-11-30 [Hope Credit Union CEO Bill Bynum Gets $250,000 Heinz Award for the Economy - Mississippi Free Press](https://news.google.com/rss/articles/CBMirwFBVV95cUxOSEx5bVl0NGVlSjN3cmU5Y3dVNWFZS0VvQk0xVm1hRE5PRkRSZWNUbVRsT2NBRFZyalM5Zm1sSDhGVXRWdEd0UWZjbG0wc3dTVXlKQm5ybGgtLVJaWGtsMGtidWVtc2tlQWJrUVZRMjlRQ0dPbmpaVC1pOWZuMzJxZE8yVXVkUWtvVnh0Y21DVm1WZ0EzV1NyVDhoTEo4dGk2WUtncERsUFFhVDhFQ2JV?oc=5) · Mississippi Free Press

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24829 (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/61.json (key "24829", 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=24829
- 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