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
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.93% | 0.35% | 0.74% | 1.18% | Beats 62% | 644 / 1,683 | | |
| Return on Equity | 5.92% | 2.67% | 5.89% | 8.74% | Beats 50% | 837 / 1,681 | | |
| Net Interest Margin | 2.60% | 3.31% | 3.82% | 4.32% | Beats 5% | 1,599 / 1,683 | | |
| Efficiency Ratio | 65.63% | 68.91% | 78.20% | 86.93% | Beats 81% | 316 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.11% | 0.26% | 0.65% | 1.29% | Beats 30% | 1,184 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 15.79% | 10.44% | 12.89% | 16.53% | Beats 72% | 472 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 15.79% | 10.44% | 12.89% | 16.53% | Beats 72% | 472 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 30.45% | 52.61% | 69.38% | 83.50% | 5th pctl | 1,595 / 1,683 | | |
| Loans / Assets | 26.70% | 44.71% | 59.18% | 70.72% | 6th pctl | 1,582 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |