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Charter #6674 · Clarksburg, WV · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- On Loan-to-share, the asset-size band puts this credit union at the 80th percentile but its structural peers at the 52nd — a 28-point gap showing why the peer definition matters.
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 | HOME | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $37.73M | 78th pct | 69th pct |
| Members | 3,027 | 76th pct | 66th pct |
| Net worth ratio | 14.41% | 56th pct | 48th pct |
| Return on average assets | 0.62% | 49th pct | 34th pct |
| Net interest margin | 3.92% | 54th pct | 34th pct |
| Cost of funds | 0.93% | 55th pct | 44th pct |
| Loan-to-share | 76.78% | 80th pct | 52th pct |
| Delinquency 60+ days | 0.87% | 64th pct | 69th pct |
| Net charge-off ratio | 0.12% | 49th pct | 46th pct |
| Loan growth YoY | 1.82% | 81th pct | 66th pct |
| Share growth YoY | 5.06% | 75th pct | 69th pct |
| Efficiency ratio | 79.43% | 48th pct | 57th pct |
structural peer set hash: 53b3503906f749b5bb3f11435b4fb80d… (reproducible)
Closest structural peers
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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.