State credit union · CHILLICOTHE, Ohio · NCUA charter #61089
HOMELAND
Health score 78/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 78
- Health / 100
- $617.9M
- Total assets
- 24,106
- Members
- 15.7%
- Net-worth ratio
HOMELAND scores 78/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $617.9M; members 24,106; net-worth ratio 15.69%; health rank #2,944 of 4,374; healthier than 31st of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#2,944 of 4,374 health · 2025Q4HOMELAND · health 78/100 · $617.9M · 2025Q4
- NW 78/100
- DELQ 15.7%
- ROA 1.00%
- ASSETS 0.75%
- MEM $617.9M
- RANK 24,106
- PHOTO #2,944/4,374
- BOOK EXCITE
- CHARTER 61089
Call Report peers
HOMELAND in the assets neighbourhood
HOMELAND's $617.9M assets sit next to EXCITE ($618.1M) 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.
HOMELAND 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
HOMELAND - Share Insurance Coverage
Charter #61089's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
HOMELAND: Call Report deltas vs peers
- Largest favorable gap: Net Worth Ratio at 15.69% vs peer 11.18% (+4.51 pp).
- Loan-to-Share Ratio trails the peer set - 31.53% here, 83.90% peer average (-52.37 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Ohio standing for HOMELAND
- Health composite ranks #138 of 196 among scored Ohio credit unions.
- Ohio assets place: #17 of 196.
- Member book place in Ohio: #30 of 196.
In-state ordinals use the live credit_unions table for OH only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for HOMELAND
HOMELAND: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.3% from $617.9M (2025Q4) to $619.8M (2026Q1).
- Net-worth ratio shifted +0.17 pp (15.52% → 15.69%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
15.69% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action 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 20.0 pts
- Return on Assets 15.0 pts
- Member Growth 4.4 pts
- Loan-to-Share Ratio 8.6 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 15.69% | +4.51 pp |
| Delinquency Rate | 1.00% | +0.12 pp |
| Return on Assets | 0.75% | +0.24 pp |
| Member Growth | -2.55% | - |
| Loan-to-Share Ratio | 31.53% | -52.37 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $619.8M | - |
| 2025Q4 | $617.9M | 24,106 |
| 2024Q4 | $582.4M | 24,737 |
| 2023Q4 | $571.9M | 24,214 |
Credit Union Details
- Charter Number
- 61089
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Ohio
- City
- CHILLICOTHE
- Data Quarter
- 2025Q4
Branch Locations (5)
HOMELAND operates 5 offices across 4 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Caldwell (Main Office) | Chillicothe, OH |
| Shawnee | Chillicothe, OH |
| Circleville | Circleville, OH |
| Greenfield | Greenfield, OH |
| Waverly | Waverly, OH |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Ohio
Other federally-insured credit unions in Ohio, closest first by peer group and asset size.
Cross-state Call Report peers for HOMELAND
Two NCUA Call Report peer sets for HOMELAND, both outside Ohio 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 ($617.9M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (78/100 here).
Using this data
- HOMELAND ranks #2,944 of 4,374 nationally on financial health and #138 of 196 in OH -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- SUN is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with SUN
- Rates and health both vary by institution, not just by state -- see how Ohio credit unions compare overall before assuming this one is typical. Ohio 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 HOMELAND financially healthy?
A 15.69% net worth ratio and a 1.00% delinquency rate feed into HOMELAND'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 #2,944 of 4,374; by total assets it ranks #671 of 4,374 nationally (same basis as /rankings/largest); and #17 of 196 within Ohio. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does HOMELAND compare to other credit unions?
Five weighted metrics from NCUA filings produce HOMELAND's 78/100 score on PlainCU's health composite, compared to a peer group average for Over $500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 HOMELAND?
Membership eligibility for HOMELAND depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact HOMELAND directly for current membership requirements and application steps.
Is my money safe at HOMELAND?
Federal credit unions like HOMELAND 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. HOMELAND's net worth ratio of 15.69% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does HOMELAND offer compared to banks?
Credit unions like HOMELAND 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 HOMELAND 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.