Hope Federal Credit Union
Total assets
$43.5M
▲ +8.0% YoY
Shares & deposits
$35.0M
▲ +8.7% YoY
Loans
$19.4M
▼ -1.9% YoY
Members
2,498
▲ +2.5% YoY
ROA (annualized)
1.15%
peers 0.60%
ROE (annualized)
5.87%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.0% | +1.3% | +6.7 pts |
| Share growth (YoY) | +8.7% | +0.7% | +8.0 pts |
| Loan growth (YoY) | -1.9% | -2.4% | +0.5 pts |
| ROA | 1.15% | 0.60% | +0.5 pts |
| ROE | 5.9% | 4.1% | +1.8 pts |
ROA ranks in the 75th percentile of its peer group · Q1 2026
Profile
- Established
- 1935
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 3
- Address
- 925 White Oaks Blvd., Bridgeport, WV, 26330
- NCUA charter #
- 220
- RSSD ID
- 543972
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $43.5M | $35.0M | $19.4M | $8.5M | $124K | 1.15% | 2.96% | 0.64% | 2,498 |
| Q4 2025 | $41.6M | $33.2M | $18.9M | $8.4M | $456K | 1.10% | 2.96% | 0.08% | 2,577 |
| Q3 2025 | $40.6M | $32.3M | $19.6M | $8.3M | $367K | 1.21% | 3.07% | 0.00% | 2,596 |
| Q2 2025 | $40.4M | $32.2M | $20.0M | $8.2M | $249K | 1.23% | 3.06% | 0.16% | 2,576 |
| Q1 2025 | $40.3M | $32.2M | $19.8M | $8.1M | $145K | 1.44% | 3.09% | 0.22% | 2,437 |
| Q4 2024 | $39.4M | $31.4M | $19.7M | $7.9M | $379K | 0.96% | 2.81% | 0.00% | 2,547 |
| Q3 2024 | $39.4M | $31.5M | $19.9M | $7.9M | $314K | 1.06% | 2.77% | 0.10% | 2,540 |
| Q2 2024 | $39.4M | $31.7M | $19.9M | $7.8M | $178K | 0.90% | 2.67% | 0.36% | 2,512 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $16.6M · securities $13.2M
Ratio pack Q1 2026 · peer medians from 2508 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.15% | 0.60% | 75th | |
Return on equity Annualized net income ÷ equity or net worth | 5.9% | 4.1% | 63th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.96% | 3.83% | 18th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 55.5% | 81.5% | 8th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
Similar credit unions
- Camc Federal Credit UnionCharleston, WV · $79.2M
- Members Choice Wv Federal Credit UnionCharleston, WV · $93.1M
- The State Credit UnionCharleston, WV · $94.9M
- Universal Federal Credit UnionHuntington, WV · $97.2M
- Metro Federal Credit UnionArlington Heigh, IL · $78.7M
- Cove Federal Credit UnionEdgewood, KY · $78.8M
Selling to Hope Federal Credit Union?
See Pro plan →Peer lists, growth filters, CSV export, CRM push.