Hopesouth
Abbeville, SC · Charter 20824 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
$39.4MAssets
$15.5MLoans
$29.0MShares
$10.0MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 95% of credit unions under $1B in assets (rank 78 of 1683).
- Widest gap: nonperforming loans / loans trails 93% of credit unions under $1B in assets (rank 1568 of 1682).
- Overall: at or above the peer median on 5 of 7 directional measures.
Return on Assets
1.17%
Rank 427 of 1,683
Net Interest Margin
5.45%
Rank 78 of 1,683
Efficiency Ratio
77.81%
Rank 823 of 1,682
Equity / Assets
25.39%
Rank 93 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.17% | 0.35% | 0.74% | 1.18% | Beats 75% | 427 / 1,683 | |
| Return on Equity | 4.60% | 2.67% | 5.89% | 8.74% | Beats 40% | 1,001 / 1,681 | |
| Net Interest Margin | 5.45% | 3.31% | 3.82% | 4.32% | Beats 95% | 78 / 1,683 | |
| Efficiency Ratio | 77.81% | 68.91% | 78.20% | 86.93% | Beats 51% | 823 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 3.23% | 0.26% | 0.65% | 1.29% | Beats 7% | 1,568 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 25.39% | 10.44% | 12.89% | 16.53% | Beats 94% | 93 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 25.39% | 10.44% | 12.89% | 16.53% | Beats 94% | 93 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 53.56% | 52.61% | 69.38% | 83.50% | 26th pctl | 1,246 / 1,683 | |
| Loans / Assets | 39.47% | 44.71% | 59.18% | 70.72% | 18th pctl | 1,376 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |