Hope Federal Credit Union Jackson, Mississippi
Hope Federal Credit Union is a federal credit union headquartered in Jackson, MS, established in 1995 (NCUA charter 24829), and it is regulated and insured by the NCUA. At Q2 2026 it reported 49,735 members and total assets of $881.4M (up 19.2% from Q2 2025), the 2nd largest of 52 credit unions headquartered in Mississippi. Its net worth ratio was 16.18% at Q2 2026, in the well capitalized band.
Also written as Hope FCU · Trade name filed with the NCUA: Hope Credit Union
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 24829
- Headquarters
- Jackson, MS
- Established
- 1995
- Total assets, Q2 2026
- $881.4M
- Assets vs Q2 2025
- +19.2%
- Members, Q2 2026
- 49,735
- Net worth ratio, Q2 2026
- 16.18%
- Latest call report
- Q2 2026, NCUA 5300 · Hope Federal Credit Union call report
- Asset rank in state
- 2nd of 52 in Mississippi
- Routing number
- 065382514
- Branches
- 16
It has 9,107 more members than on June 30, 2025 (+22.4%). Its net worth ratio was down 4.30 percentage points from 20.48% on June 30, 2025. Commercial loans are its largest loan category, $291.8M of $627.2M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.96% is above the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 16.18% net worth ratio is above that band's 11.43% median.
Credit unions similar in size in Mississippi
Credit unions merged into Hope Federal Credit Union
1st Choice Credit Union (2025) · New Pilgrim Federal Credit Union (2024) · Tri-Rivers Federal Credit Union (2017) · B and W Mississippi Employees Federal Credit Union (2017) · Michaud Credit Union (2017)
Frequently asked about Hope Federal Credit Union
How big is Hope Federal Credit Union?
At Q2 2026 it reported total assets of $881.4M and 49,735 members.
Where is Hope Federal Credit Union headquartered?
It is headquartered in Jackson, MS, United States.
When was Hope Federal Credit Union founded?
It was established in 1995, per NCUA records.
Is Hope Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 24829): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Hope Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Hope Federal Credit Union well capitalized?
Its net worth ratio was 16.18% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Hope Federal Credit Union's delinquency ratio?
Its delinquency ratio was 1.96% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Hope Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 99.74% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Jackson, MS 39202
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1995
- NCUA Charter #
- 24829
- RSSD ID
- 2342816
- Members
- 49,735
- Potential members
- 160,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 1,341 credit unions with $100M to $1B in assets, as of Q2 2026. It is in the top quartile on 1 of 7 ranked measures and in the bottom quartile on 5.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 13.58% | 16.18% | 11.43% | over 90th top |
| Return on assets Middle half of peers: 0.43% to 1.23% | 0.03% | 0.81% | under 10th bottom |
| Return on equity Middle half of peers: 3.87% to 9.84% | 0.17% | 7.02% | under 10th bottom |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 2.73% | 3.70% | under 10th bottom |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 82.79% | 76.55% | 28th below |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 2.05% | 1.24% | under 10th bottom |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 1.96% | 0.68% | under 10th bottom |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 4.78% | 4.92% | 41st position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 99.74% | 75.66% | over 90th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$881.4M total assets against $739.3M; $628.8M total shares and deposits against $491.7M; $627.2M total loans against $488.3M.
$142.6M net worth against $151.4M.
16.18% net worth ratio against 20.48%.
99.74% loan-to-share ratio against 99.31%.
1.96% delinquency ratio against 2.67%.
0.03% return on assets against 0.03%; 0.17% return on equity against 0.16%.
2.73% net interest margin against 3.15%.
49,735 members against 40,628.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 16.18% | 0.03% | 1.96% | 99.74% |
| March 31, 2026 | 16.44% | 0.03% | 1.72% | 88.68% |
| December 31, 2025 | 17.01% | -0.03% | 2.43% | 90.50% |
| September 30, 2025 | 18.65% | 0.09% | 2.23% | 88.45% |
| June 30, 2025 | 20.48% | 0.03% | 2.67% | 99.31% |
| March 31, 2025 | 21.61% | 0.03% | 2.55% | 95.17% |
Scroll sideways to see every column.
Watch flags
Loans 60+ days delinquent exceed 1% of the loan book, above the typical credit-union range. Worth watching the trend in coming quarters. BankRegReports early-warning band.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.