TellerScore

Headquartered in Abbeville, South Carolina, Hopesouth Federal Credit Union is a federal credit union with $39.4M in total assets and $29.0M in member shares and deposits as of Q2 2026. It operates 3 offices across 2 states. Its charter dates back to 1971.

Based on its Q2 2026 filing, Hopesouth Federal Credit Union scores 67/100, which we describe as moderate. That is higher than only 34% of 2,479 credit unions with under $100 million in assets. Among 45 credit unions headquartered in South Carolina, it ranks 32nd. Its strongest component is capital cushion (100/100; 25.39%), and its lowest is loan quality (0/100; 3.23%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 25.39%
Loan quality0/100
Loans 60+ days delinquent ÷ total loans: 3.23%
Earnings67/100
Return on assets (annualized): 1.17%
Funding & liquidity100/100
Loans ÷ shares: 53.6% · 2.0% uninsured
Problem-loan coverage89/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 5.28%

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 fell 17 points (84 → 67), mostly because the loan quality component weakened by 40 points.

TellerScore
678194Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202482
Q3 202483
Q4 202482
Q1 202594
Q2 202584
Q3 202581
Q4 202571
Q1 202686
Q2 202667
Net worth ratio
7.00%16.66%26.33%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202425.83%
Q3 202425.91%
Q4 202425.65%
Q1 202525.12%
Q2 202525.75%
Q3 202526.33%
Q4 202526.29%
Q1 202625.82%
Q2 202625.39%
Delinquent loans (60+ days)
0.45%2.01%3.57%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20242.14%
Q3 20242.00%
Q4 20242.11%
Q1 20250.45%
Q2 20251.80%
Q3 20252.19%
Q4 20253.57%
Q1 20261.03%
Q2 20263.23%
Return on assets
1.17%1.62%2.07%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.01%
Q3 20242.01%
Q4 20241.98%
Q1 20251.76%
Q2 20252.07%
Q3 20251.94%
Q4 20251.71%
Q1 20261.39%
Q2 20261.17%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202667$39.4M25.39%3.23%1.17%53.6%
Q1 202686$38.3M25.82%1.03%1.39%55.8%
Q4 202571$37.1M26.29%3.57%1.71%57.7%
Q3 202581$36.8M26.33%2.19%1.94%58.7%
Q2 202584$37.1M25.75%1.80%2.07%57.3%
Q1 202594$37.1M25.12%0.45%1.76%55.9%
Q4 202482$35.7M25.65%2.11%1.98%55.7%
Q3 202483$34.8M25.91%2.00%2.01%56.3%
Q2 202482$34.2M25.83%2.14%2.01%56.5%

2,479 peers · Under $100 million in assets

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 ratio25.39%
89th
Problem loans3.23%
12th
Net charge-offs1.27%
10th
Return on assets1.17%
75th
Loans to deposits53.6%
58th
Uninsured deposits2.0%
45th
Loan-loss reserves0.00%
37th
Texas ratio5.3%
28th

Similar-size credit unions in South Carolina

InstitutionScoreAssetsCapitalProblem loansCompare
Pee Dee Federal Credit UnionCredit union Florence, SC87 out of 100, Very strong$40.8M24.9%0.39%vs
Dixies Federal Credit UnionCredit union Darlington, SC77 out of 100, Strong$47.6M22.7%0.80%vs
Columbia Post Office Credit UnionCredit union Columbia, SC89 out of 100, Very strong$25.2M24.3%0.28%vs
S C I Federal Credit UnionCredit union Florence, SC76 out of 100, Strong$23.6M14.2%0.36%vs
Edisto Federal Credit UnionCredit union Orangeburg, SC74 out of 100, Strong$23.4M17.4%1.54%vs
Secured Advantage Federal Credit UnionCredit union Simpsonville, SC65 out of 100, Moderate$55.7M12.2%0.88%vs

Deposit insurance

Is my money safe at Hopesouth Federal Credit Union?

Yes. Hopesouth Federal Credit Union is a federally insured credit union (NCUA charter #20824). 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 2.0% of shares and deposits ($579K) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 25.39%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Hopesouth Federal Credit Union lists 3 offices in 2 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Hopesouth Federal Credit Union
Type
Federal credit union
NCUA charter #
20824
RSSD ID
681687
Primary regulator
NCUA
Established
1971
Headquarters
807 W Greenwood St, Abbeville, SC 29620
Employees
11

Quick answers

Hopesouth Federal Credit Union: common questions

Is Hopesouth Federal Credit Union NCUA insured?

Yes. Hopesouth Federal Credit Union is a federally insured credit union (NCUA charter #20824). 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 Hopesouth Federal Credit Union's TellerScore?

67 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 Hopesouth Federal Credit Union have?

3 offices as of the latest NCUA data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Abbeville

InstitutionScoreAssetsCapitalProblem loansCompare
S. C. State Federal Credit UnionCredit union Columbia, SC91 out of 100, Very strong$1.5B15.6%0.82%vs
The Peoples BankBank Iva, SC89 out of 100, Very strong$446.7M12.9%0.00%vs
E L C O Federal Credit UnionCredit union Elberton, GA84 out of 100, Strong$5.3M20.1%0.78%vs
The Commercial BankBank Honea Path, SC76 out of 100, Strong$284.2M12.6%0.75%vs
Parda Federal Credit UnionCredit union Auburn Hills, MI75 out of 100, Strong$217.4M13.7%0.75%vs
CountybankBank Greenwood, SC69 out of 100, Moderate$733.0M8.7%0.44%vs