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
- ROA 89/100
- ASSETS 14.4%
- MEM 0.99%
- RANK 0.29%
- PHOTO $36.2M
- BOOK 3,045
- CHARTER #1,223/4,374
- NCUSIF KOIN
- CAMELS 6674
Call Report peers
HOME in the assets neighbourhood
HOME's $36.2M assets sit next to KOIN ($36.2M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
HOME vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
89 Top 31% higher than 69% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
HOME - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #6674, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
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%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for WV only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How HOME's 5300 filing moved
HOME: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +4.3% from $36.2M (2025Q4) to $37.7M (2026Q1).
- Net-worth ratio shifted -0.46 pp (14.87% → 14.41%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 89.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
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
Two NCUA Call Report peer sets for HOME, both outside West Virginia so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($36.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (89/100 here).
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
- Rates and health both vary by institution, not just by state -- see how West Virginia credit unions compare overall before assuming this one is typical. West Virginia state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is HOME financially healthy?
A 14.41% net worth ratio and a 0.99% delinquency rate feed into HOME's financial health score of 89/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,223 of 4,374; by total assets it ranks #2,701 of 4,374 nationally (same basis as /rankings/largest); and #29 of 74 within West Virginia. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does HOME compare to other credit unions?
PlainCU's health composite puts HOME at 89/100, compared to a peer group average for $10M–$50M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like HOME are 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."
What rates does HOME offer compared to banks?
Credit unions like HOME are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact HOME directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.