PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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