Federal credit union · Clarksburg, West Virginia · NCUA charter #6674
HOME
Health score 89/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $36.2M
- Total assets
- 3,045
- Members
- 14.4%
- Net-worth ratio
HOME scores 89/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $36.2M; members 3,045; net-worth ratio 14.41%; health rank #1,223 of 4,374; healthier than 69th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#1,223 of 4,374 health · 2025Q4HOME · health 89/100 · $36.2M · 2025Q4
Call Report peers
HOME in the assets neighbourhood
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HOME vs every NCUA-scored credit union
HOME sits in the busiest band, 85-89, alongside 857 other credit unions.
89 Top 31% higher than 69% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
HOME vs $10M–$50M peers
- Largest favorable gap: Loan-to-Share Ratio at 81.71% vs peer 59.80% (+21.91 pp).
- Widest shortfall vs peers is Net Worth Ratio: -0.45 pp (14.41% vs 14.86%).
HOME: in-state Call Report ranks
- In West Virginia, health place is #14 of 74 on the same NCUA-ratio sort used nationally.
- Assets rank #29 of 74 inside West Virginia ($36.2M reported).
- West Virginia membership ordinal: #30 of 74.
- One place up in West Virginia, Strip Steel Community (#13) ties at 89/100; one place down, CHA-TEL (#15) ties at 89/100.
How HOME's 5300 filing moved
HOME: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +4.3% from $36.2M (2025Q4) to $37.7M (2026Q1).
- Net-worth ratio shifted -0.46 pp (14.87% → 14.41%).
This credit union's 14.41% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 89/100 score is built
HOME gives up 11 points in total. Delinquency Rate costs the most, 4.9 of its 25; Net Worth Ratio and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 20.1 pts
- Return on Assets 11.9 pts
- Member Growth 12.3 pts
- Loan-to-Share Ratio 14.7 pts
HOME vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.41% | -0.45 pp |
| Delinquency Rate | 0.99% | -0.15 pp |
| Return on Assets | 0.29% | -0.41 pp |
| Member Growth | 2.77% | - |
| Loan-to-Share Ratio | 81.71% | +21.91 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
HOME quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $37.7M | - |
| 2025Q4 | $36.2M | 3,045 |
| 2024Q4 | $34.4M | 2,963 |
| 2023Q4 | $34.9M | 2,876 |
Credit Union Details
- Charter Number
- 6674
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- West Virginia
- City
- Clarksburg
- Data Quarter
- 2025Q4
Branch Locations (3)
HOME operates 3 offices across 3 cities, spanning 2 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Home Federal Credit Union (Main Office) | Clarksburg, WV |
| Hope Federal Credit Union | Bridgeport, WV |
| FiServ | Troy, MI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in West Virginia
A look at other West Virginia credit unions, ranked by how closely their peer group and asset size match this one.
Nationwide credit unions with similar profiles
Using this data
- HOME ranks #1,223 of 4,374 nationally on financial health and #14 of 74 in WV -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Union Trades is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Union Trades
Frequently Asked Questions
Is HOME financially healthy?
On its 2025Q4 NCUA 5300 filing, HOME scores 89/100 (Excellent), with a 14.41% net worth ratio and 0.99% of loans delinquent. It ranks #1,223 of 4,374 nationally on health and #14 of 74 in West Virginia.
How does HOME compare to other credit unions?
HOME scores 89/100, higher than 69% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (81.71% vs 59.80%). Its widest shortfall is net worth ratio (14.41% vs 14.86%).
How can I join HOME?
HOME operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact HOME directly for the exact boundaries and application steps.
Is my money safe at HOME?
HOME is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. HOME's net worth ratio of 14.41% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.