TellerScore

Hope Federal Credit Union is a federal credit union headquartered in Jackson, Mississippi, in business for about 31 years. At the end of Q2 2026 it reported $881.4M in total assets and $628.8M in member shares and deposits, with 10 offices across 5 states.

Hope Federal Credit Union has a TellerScore of 59 out of 100 (moderate) based on Q2 2026 data — higher than only 19% of its 1,341 credit unions with $100 million – $1 billion. Among 55 credit unions headquartered in Mississippi, it ranks 41st. Capital cushion contributes the most (100/100, 16.18%); earnings contributes the least (21/100, 0.03%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 16.18%
Loan quality35/100
Loans 60+ days delinquent ÷ total loans: 1.96%
Earnings21/100
Return on assets (annualized): 0.03%
Funding & liquidity55/100
Loans ÷ shares: 99.7% · 19.8% uninsured
Problem-loan coverage76/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 12.12%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 10 points (49 → 59), mostly because the funding & liquidity component improved by 28 points.

TellerScore
455361Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202447
Q3 202447
Q4 202445
Q1 202550
Q2 202549
Q3 202556
Q4 202555
Q1 202661
Q2 202659
Net worth ratio
7.00%15.69%24.37%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202424.37%
Q3 202423.13%
Q4 202422.15%
Q1 202521.61%
Q2 202520.48%
Q3 202518.65%
Q4 202517.01%
Q1 202616.44%
Q2 202616.18%
Delinquent loans (60+ days)
1.72%3.41%5.11%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20245.11%
Q3 20245.02%
Q4 20244.68%
Q1 20252.55%
Q2 20252.67%
Q3 20252.23%
Q4 20252.43%
Q1 20261.72%
Q2 20261.96%
Return on assets
0.03%0.04%0.05%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.04%
Q3 20240.04%
Q4 20240.04%
Q1 20250.03%
Q2 20250.03%
Q3 20250.05%
Q4 20250.03%
Q1 20260.03%
Q2 20260.03%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202659$881.4M16.18%1.96%0.03%99.7%
Q1 202661$867.3M16.44%1.72%0.03%88.7%
Q4 202555$856.7M17.01%2.43%0.03%90.5%
Q3 202556$779.4M18.65%2.23%0.05%88.4%
Q2 202549$739.3M20.48%2.67%0.03%99.3%
Q1 202550$700.2M21.61%2.55%0.03%95.2%
Q4 202445$682.8M22.15%4.68%0.04%93.3%
Q3 202447$653.8M23.13%5.02%0.04%86.7%
Q2 202447$620.3M24.37%5.11%0.04%83.3%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio16.18%
90th
Problem loans1.96%
6th
Net charge-offs1.01%
9th
Return on assets0.03%
5th
Loans to deposits99.7%
3rd
Uninsured deposits19.8%
2nd
Loan-loss reserves0.00%
50th
Texas ratio12.1%
9th

Similar-size credit unions in Mississippi

InstitutionScoreAssetsCapitalProblem loansCompare
Mutual Federal Credit UnionCredit union Vicksburg, MS84 out of 100, Strong$528.5M14.0%1.08%vs
Navigator Federal Credit UnionCredit union Pascagoula, MS90 out of 100, Very strong$406.7M18.0%0.38%vs
Singing River Federal Credit UnionCredit union Moss Point, MS68 out of 100, Moderate$397.4M11.4%0.55%vs
Sunbelt Federal Credit UnionCredit union Hattiesburg, MS85 out of 100, Very strong$366.4M16.2%0.39%vs
Statewide Federal Credit UnionCredit union Flowood, MS68 out of 100, Moderate$211.4M9.5%0.59%vs
Magnolia Federal Credit UnionCredit union Jackson, MS87 out of 100, Very strong$185.6M23.4%0.55%vs

Deposit insurance

Is my money safe at Hope Federal Credit Union?

Yes. Hope Federal Credit Union is a federally insured credit union (NCUA charter #24829). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 19.8% of shares and deposits ($124.4M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 16.18%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

10 locations

Branches

Hope Federal Credit Union lists 10 offices in 7 cities across 5 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Hope Federal Credit Union
Type
Federal credit union
NCUA charter #
24829
RSSD ID
2342816
Primary regulator
NCUA
Established
1995
Headquarters
4 Old River Pl, Jackson, MS 39202
Employees
284

Quick answers

Hope Federal Credit Union: common questions

Is Hope Federal Credit Union NCUA insured?

Yes. Hope Federal Credit Union is a federally insured credit union (NCUA charter #24829). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Hope Federal Credit Union's TellerScore?

59 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Hope Federal Credit Union have?

10 offices as of the latest NCUA data, in 5 states.

Nearby

Highest-scoring banks and credit unions with branches near Jackson

InstitutionScoreAssetsCapitalProblem loansCompare
Mississippi Public Employees Federal Credit UnionCredit union Jackson, MS97 out of 100, Very strong$29.2M18.1%0.10%vs
FSNB, National AssociationBank Lawton, OK96 out of 100, Very strong$478.3M17.5%0.36%vs
Merchants and Planters BankBank Raymond, MS91 out of 100, Very strong$199.0M18.2%0.00%vs
Magnolia Federal Credit UnionCredit union Jackson, MS87 out of 100, Very strong$185.6M23.4%0.55%vs
Members Exchange Federal Credit UnionCredit union Jackson, MS87 out of 100, Very strong$143.6M21.2%0.37%vs
Ecm Federal Credit UnionCredit union Ridgeland, MS87 out of 100, Very strong$28.9M14.9%0.66%vs