Federal credit union · Prince George, Virginia · NCUA charter #7722
HOMEBASE
Health score 78/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 78
- Health / 100
- $291.9M
- Total assets
- 16,213
- Members
- 10.7%
- Net-worth ratio
HOMEBASE scores 78/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $291.9M; members 16,213; net-worth ratio 10.67%; health rank #2,994 of 4,374; healthier than 31st of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#2,994 of 4,374 health · 2025Q4HOMEBASE · health 78/100 · $291.9M · 2025Q4
Call Report peers
HOMEBASE in the assets neighbourhood
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HOMEBASE vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); HOMEBASE sits in 75-79 with 502 others.
78 31st percentile higher than 31% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
HOMEBASE: Call Report deltas vs peers
- Strongest edge vs 1069 $100M–$500M peers is Delinquency Rate: -0.02 pp (0.87% vs 0.89%).
- Largest lag: Loan-to-Share Ratio at 57.32% vs peer 72.20% (-14.88 pp).
Virginia standing for HOMEBASE
- Virginia health ordinal: #57 of 95.
- By total assets, HOMEBASE is #32 of 95 in Virginia.
- Member book place in Virginia: #32 of 95.
- One place up in Virginia, Jackson River Community (#56) ties at 78/100; one place down, SPECTRA (#58) ties at 78/100.
HOMEBASE: 2025Q4 → 2026Q1
HOMEBASE: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.1% from $291.9M (2025Q4) to $295.0M (2026Q1).
- Net-worth ratio shifted +0.16 pp (10.51% → 10.67%).
At 10.67%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 78/100 score is built
HOMEBASE gives up 22 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 21.3 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 11.7 pts
HOMEBASE vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.67% | -1.44 pp |
| Delinquency Rate | 0.87% | -0.02 pp |
| Return on Assets | 0.58% | -0.04 pp |
| Member Growth | -5.10% | - |
| Loan-to-Share Ratio | 57.32% | -14.88 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Call Report history - HOMEBASE
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $295.0M | - |
| 2025Q4 | $291.9M | 16,213 |
| 2024Q4 | $270.9M | 17,084 |
| 2023Q4 | $259.1M | 17,320 |
Credit Union Details
- Charter Number
- 7722
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Virginia
- City
- Prince George
- Data Quarter
- 2025Q4
Branch Locations (3)
Per its most recent NCUA branch filing, HOMEBASE runs 3 offices in 3 different cities.
| Office | City |
|---|---|
| Main Office (Main Office) | Prince George, VA |
| Chester Branch | Chester, VA |
| Branch Office | Fort Gregg Adams, VA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Virginia
More federally-insured credit unions based in Virginia, ordered by peer group match and asset size.
HOMEBASE nationwide neighbourhoods
Similar total assets
Similar health score
Using this data
- HOMEBASE ranks #2,994 of 4,374 nationally on financial health and #57 of 95 in VA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- BRONCO is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with BRONCO
Frequently Asked Questions
Is HOMEBASE financially healthy?
HOMEBASE has a financial health score of 78/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,994 of 4,374 nationally on health and #57 of 95 in Virginia. Its net worth ratio is 10.67% and its delinquency rate 0.87%.
How does HOMEBASE compare to other credit unions?
HOMEBASE scores 78/100, higher than 31% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is delinquency rate (0.87% vs 0.89%). Its widest shortfall is loan-to-share ratio (57.32% vs 72.20%).
How can I join HOMEBASE?
HOMEBASE 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 HOMEBASE directly for the exact boundaries and application steps.
Is my money safe at HOMEBASE?
HOMEBASE 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. HOMEBASE's net worth ratio of 10.67% 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.