HOMELAND
Charter #61089 · CHILLICOTHE, OH · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 23,854 ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 15.69% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 2.71% sits at the 2nd percentile of structural peers — worth a closer look.
- Cost of funds of 1.84% sits at the 93rd percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.22% sits at the 92nd percentile of structural peers — worth a closer look.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | HOMELAND | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $619.80M | 30th pct | 80th pct |
| Members | 23,854 | 5th pct | 77th pct |
| Net worth ratio | 15.69% | 94th pct | 75th pct |
| Return on average assets | 1.04% | 75th pct | 56th pct |
| Net interest margin | 2.71% | 9th pct | 2th pct |
| Cost of funds | 1.84% | 76th pct | 93th pct |
| Loan-to-share | 30.63% | 1th pct | 13th pct |
| Delinquency 60+ days | 1.22% | 87th pct | 92th pct |
| Net charge-off ratio | 0.77% | 78th pct | 80th pct |
| Loan growth YoY | -4.63% | 5th pct | 26th pct |
| Share growth YoY | 2.72% | 31th pct | 49th pct |
| Efficiency ratio | 64.86% | 14th pct | 26th pct |
structural peer set hash: 833baee60c1b93665c3e09eacc0fb91c… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.