Hope Credit Union

Hope Credit Union is headquartered in JACKSON and is the 7^th largest credit union in the state of Mississippi. It is also the 1,122^nd largest credit union in the nation. It was established in 1995 and as of December of 2011, it had grown to 95 employees and 25,699 members. Hope Credit Union's savings rates are 3X the national average, but it has a 1-star health rating.

Hope Credit Union Routing Number: 065382514

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Data for Q4 2011

Institution Statistics HOPE NCUA # 24829 BankRate Report View Year Chartered 1995 Employees 95 Primary Regulator Assets and Liabilities Assets $140.27 million Loans $104.28 million Deposits $112.49 million Equity Capital $2.45 million Loan Loss Allowance $1.51 million Unbacked Noncurrent Loans $8.22 million Real Estate Owned $815,000 Historic Data - December 2010 Assets $138.87 million Equity Capital $2.22 million Loan Loss Allowance $3.03 million Unbacked Noncurrent Loans $5.93 million Real Estate Owned $472,000 Profit Margin - Quarterly Net Interest Margin 5.02% Return on Assets 0.01% Return on Equity 0.77% Interest Income $7.18 million Non-Interest Income $5.93 million

Institution Health Overall Score: 1 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Hope Credit Union had $9.03 million in non-current loans and owned real-estate with $3.96 million in equity and loan loss allowances on hand to cover it. This gives Hope Credit Union a Texas Ratio of 228.13% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Hope Credit Union increased slightly from 121.97% as of December 31, 2010 to 228.13% as of December 31, 2011, resulting in a negative change of 87.03%. This indicates that the balance sheet and financial strength for Hope Credit Union has declined slightly in recent periods. Deposit Growth In the past year, Hope Credit Union has increased its total deposits by $6.33 million, resulting in 5.96% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Hope Credit Union has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Hope Credit Union has $140.27 million in assets with $3.96 million in equity, resulting in a capitalization level of 2.82%, which is poor.

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