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
- ASSETS 78/100
- MEM 10.7%
- RANK 0.87%
- PHOTO 0.58%
- BOOK $291.9M
- CHARTER 16,213
- NCUSIF #2,994/4,374
- CAMELS UNITED
- HEALTH 7722
Call Report peers
HOMEBASE in the assets neighbourhood
HOMEBASE's $291.9M assets sit next to UNITED ($293.0M) 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.
HOMEBASE 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
78 31st percentile higher than 31% 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
HOMEBASE - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #7722, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
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).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for VA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
HOMEBASE: 2025Q4 → 2026Q1
HOMEBASE: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.1% from $291.9M (2025Q4) to $295.0M (2026Q1).
- Net-worth ratio shifted +0.16 pp (10.51% → 10.67%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 78.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
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
Two NCUA Call Report peer sets for HOMEBASE, both outside 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 ($291.9M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (78/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Virginia credit unions compare overall before assuming this one is typical. 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 HOMEBASE financially healthy?
A 10.67% net worth ratio and a 0.87% delinquency rate feed into HOMEBASE's financial health score of 78/100 (Very Good), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,994 of 4,374; by total assets it ranks #1,049 of 4,374 nationally (same basis as /rankings/largest); and #32 of 95 within Virginia. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does HOMEBASE compare to other credit unions?
PlainCU's health composite puts HOMEBASE at 78/100, compared to a peer group average for $100M–$500M 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 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?
Federal credit unions like HOMEBASE 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. HOMEBASE's net worth ratio of 10.67% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does HOMEBASE offer compared to banks?
Credit unions like HOMEBASE 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 HOMEBASE 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.