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
Call Report peers
HOMELAND in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); HOMELAND 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
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).
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.
- One place up in Ohio, St. Colman & Affiliates (#137) scores 79/100, 1 point higher; one place down, CHAMPION (#139) ties at 78/100.
Quarter path for HOMELAND
HOMELAND: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.3% from $617.9M (2025Q4) to $619.8M (2026Q1).
- Net-worth ratio shifted +0.17 pp (15.52% → 15.69%).
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
HOMELAND gives up 22 points in total. Member Growth costs the most, 10.6 of its 15; Net Worth Ratio and Return on Assets score full marks.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
Similar total assets
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
Frequently Asked Questions
Is HOMELAND financially healthy?
On its 2025Q4 NCUA 5300 filing, HOMELAND scores 78/100 (Very Good), with a 15.69% net worth ratio and 1.00% of loans delinquent. It ranks #2,944 of 4,374 nationally on health and #138 of 196 in Ohio.
How does HOMELAND compare to other credit unions?
HOMELAND scores 78/100, higher than 31% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is net worth ratio (15.69% vs 11.18%). Its widest shortfall is loan-to-share ratio (31.53% vs 83.90%).
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?
HOMELAND is a state-chartered 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. HOMELAND's net worth ratio of 15.69% 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.