HOMEFIELD
Charter #68057 · NORTH GRAFTON, MA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 6,883 sits at the 25th percentile of structural peers — worth a closer look.
- Return on average assets of 0.18% sits at the 21st percentile of structural peers — worth a closer look.
- Efficiency ratio of 94.49% sits at the 87th percentile of structural peers — worth a closer look.
- On Cost of funds, the asset-size band puts this credit union at the 73rd percentile but its structural peers at the 44th — a 29-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 | HOMEFIELD | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $170.56M | 39th pct | 30th pct |
| Members | 6,883 | 11th pct | 25th pct |
| Net worth ratio | 10.04% | 28th pct | 39th pct |
| Return on average assets | 0.18% | 15th pct | 21th pct |
| Net interest margin | 2.96% | 13th pct | 30th pct |
| Cost of funds | 1.60% | 73th pct | 44th pct |
| Loan-to-share | 91.84% | 91th pct | 69th pct |
| Delinquency 60+ days | 0.71% | 58th pct | 57th pct |
| Net charge-off ratio | 0.06% | 13th pct | 38th pct |
| Loan growth YoY | -4.39% | 8th pct | 2th pct |
| Share growth YoY | 1.96% | 27th pct | 44th pct |
| Efficiency ratio | 94.49% | 94th pct | 87th pct |
structural peer set hash: 9590b08b197a6e5072652101556ae22c… (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.