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Homeland

Chillicothe, OH · Charter 61089

NCUA · 5 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Credit unions under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer Standing

Trailing 9 quarters, through Q2 2026

Capital

72

Q2 2024Q2 2026Peer median (50)

Asset Quality

30

Q2 2024Q2 2026Peer median (50)

Profitability

39

Q2 2024Q2 2026Peer median (50)

Liquidity

0

Q2 2024Q2 2026Peer median (100)

Efficiency

81

Q2 2024Q2 2026Peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is a stronger peer standing, and the peer median is fixed at 50. Liquidity, Growth: closeness to the peer median, 100 at the median.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-12

Homeland

Chillicothe, OH · Charter 61089

NCUA · 5 branches

Q2 2026

$624.2MAssets
$166.7MLoans
$547.3MShares
$98.6MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.93%, up 67 bps year over year; NIM at 2.60%.
  • Asset quality: problem loans at 1.10% of loans (+16 bps YoY).
  • Capital: net worth / assets of 15.79%, down 8 bps from a year ago.
  • Funding: loans stand at 30.45% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.93%+67 bps YoY

Net Interest Margin (YTD, annualized)

2.60%+9 bps YoY

Efficiency Ratio (YTD, annualized)

65.63%-1,415 bps YoY

Net Worth / Assets

15.79%-8 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.27%0.36%0.36%1.04%0.93%+67 bps
Return on Equity1.68%2.29%2.34%6.63%5.92%+424 bps
Net Interest Margin2.51%2.48%2.46%2.71%2.60%+9 bps
Efficiency Ratio79.79%78.38%78.62%64.86%65.63%-1,415 bps
Growth
Asset Growth (YoY)2.35%2.49%6.09%3.85%4.76%+241 bps
Loan Growth (YoY)-1.28%-2.71%-3.98%-5.42%-5.22%-394 bps
Share Growth (YoY)7.92%8.70%4.51%2.74%3.87%-405 bps
Asset Quality
Delinquent Loans / Loans0.94%0.83%1.00%1.22%1.10%+16 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital15.88%15.74%15.52%15.69%15.79%-8 bps
Net Worth / Assets15.88%15.74%15.52%15.69%15.79%-8 bps
Liquidity & Funding
Loans / Shares33.37%33.00%31.53%30.63%30.45%-292 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-12

Homeland

Chillicothe, OH · Charter 61089 · Peer group: credit unions under $1B in assets (n=1,681-1,683)

NCUA · 5 branches

Q2 2026

$624.2MAssets
$166.7MLoans
$547.3MShares
$98.6MNet Worth

Executive Summary

  • Strongest standing: efficiency ratio outperforms 81% of credit unions under $1B in assets (rank 316 of 1682).
  • Widest gap: net interest margin trails 95% of credit unions under $1B in assets (rank 1599 of 1683).
  • Overall: at or above the peer median on 5 of 7 directional measures.

Return on Assets

0.93%

Rank 644 of 1,683

Net Interest Margin

2.60%

Rank 1,599 of 1,683

Efficiency Ratio

65.63%

Rank 316 of 1,682

Equity / Assets

15.79%

Rank 472 of 1,683

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.93%0.35%0.74%1.18%Beats 62%644 / 1,683
Return on Equity5.92%2.67%5.89%8.74%Beats 50%837 / 1,681
Net Interest Margin2.60%3.31%3.82%4.32%Beats 5%1,599 / 1,683
Efficiency Ratio65.63%68.91%78.20%86.93%Beats 81%316 / 1,682
Asset Quality
Nonperforming Loans / Loans1.11%0.26%0.65%1.29%Beats 30%1,184 / 1,682
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio15.79%10.44%12.89%16.53%Beats 72%472 / 1,683
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets15.79%10.44%12.89%16.53%Beats 72%472 / 1,683
Liquidity & Funding
Loans / Deposits30.45%52.61%69.38%83.50%5th pctl1,595 / 1,683
Loans / Assets26.70%44.71%59.18%70.72%6th pctl1,582 / 1,683
Brokered Deposits / Depositsn/aNot reported for this institution