HOMEBASE
Charter #7722 · Prince George, VA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- On Members, the asset-size band puts this credit union at the 64th percentile but its structural peers at the 41st — a 23-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 | HOMEBASE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $294.97M | 73th pct | 66th pct |
| Members | 16,140 | 64th pct | 41th pct |
| Net worth ratio | 10.67% | 38th pct | 31th pct |
| Return on average assets | 1.09% | 74th pct | 69th pct |
| Net interest margin | 3.56% | 44th pct | 48th pct |
| Cost of funds | 1.15% | 46th pct | 61th pct |
| Loan-to-share | 55.70% | 19th pct | 30th pct |
| Delinquency 60+ days | 0.68% | 56th pct | 59th pct |
| Net charge-off ratio | 0.67% | 76th pct | 70th pct |
| Loan growth YoY | -1.53% | 30th pct | 30th pct |
| Share growth YoY | 3.77% | 55th pct | 39th pct |
| Efficiency ratio | 72.61% | 30th pct | 36th pct |
structural peer set hash: 1d09c8b79dad6f4d8717d8a93e6de6dc… (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.