BlastPoint's Credit Union Scorecard
HOMELAND
Charter #61089 · OH
HOMELAND has 4 strengths but faces 8 concerns
How does the industry compare?
What's your peer group doing?
How does OH stack up?
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.12% above tier average
- + Strong member growth: 5.7% YoY
- + Net Worth Ratio: Top 4.2% in tier
- + Member Growth Rate: Top 8.5% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 30.0% in tier
- - Indirect Auto Dependency: Bottom 45.5% in tier
- - Shrinking Wallet Share: Bottom 94.6% in tier
- - Delinquency rate 0.30% above tier average
- - Loan-to-Share Ratio: Bottom 2.4% in tier
- - Total Loans: Bottom 3.0% in tier
- - Loan-to-Member Ratio (LMR): Bottom 3.0% in tier
- - Net Interest Margin (NIM): Bottom 3.6% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 165 credit unions with $500M-$750M in assets nationally, and 1 of 7 that size in Ohio.
- Shares and deposits +3.9% year over year ($547M in shares and deposits).
- Membership: 25,697 members, +5.7% vs a year ago.
- Delinquency rate 1.10%.
- Return on assets 0.94%.
- Efficiency ratio 65.63% vs a 76.56% peer average.
- Loan-to-share ratio 30.45% vs a 79.33% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
25,697
+5.7% YoY+7.7% QoQ
|
-12.2K |
37,897
-5.0% YoY
|
18,978
+16.2% YoY
|
34,678
+6.6% YoY
|
Bottom 10.3% in tier |
| Assets |
$624.2M
+4.8% YoY+0.7% QoQ
|
+$1.8M |
$622.4M
+0.6% YoY
|
$292.1M
+20.6% YoY
|
$593.1M
+10.2% YoY
|
51% |
| Loans |
$166.7M
-5.2% YoY+0.1% QoQ
|
$-261.8M |
$428.5M
-0.7% YoY
|
$203.0M
+21.8% YoY
|
$418.6M
+10.1% YoY
|
Bottom 2.4% in tier |
| Deposits |
$547.3M
+3.9% YoY+0.7% QoQ
|
+$7.6M |
$539.8M
+0.9% YoY
|
$251.0M
+21.0% YoY
|
$504.8M
+10.3% YoY
|
54% |
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| ROA |
0.9%
+252.0% YoY-9.9% QoQ
|
+0.1% |
0.8%
+39.5% YoY
|
0.9%
+55.0% YoY
|
1.2%
+121.4% YoY
|
64% |
| NIM |
2.6%
+4.2% YoY-3.5% QoQ
|
-0.9% |
3.5%
+5.0% YoY
|
3.7%
+2.2% YoY
|
3.8%
+2.3% YoY
|
Bottom 3.0% in tier |
| Efficiency Ratio |
65.6%
-17.7% YoY+1.2% QoQ
|
-10.9% |
76.6%
-3.6% YoY
|
79.2%
-2.1% YoY
|
83.0%
-5.3% YoY
|
Top 13.3% in tier |
| Delinquency Rate |
1.1%
+17.3% YoY-9.3% QoQ
|
+0.3 |
0.8%
+3.1% YoY
|
1.1%
-6.2% YoY
|
1.3%
+2.6% YoY
|
79% |
| Loan To Share |
30.5%
-8.8% YoY-0.6% QoQ
|
-48.9% |
79.3%
-1.4% YoY
|
60.7%
-4.2% YoY
|
66.4%
-1.4% YoY
|
Bottom 1.8% in tier |
| AMR |
$27,786
-3.8% YoY-6.6% QoQ
|
+$492 |
$27,294
+4.1% YoY
|
$18,171
+7.2% YoY
|
$20,028
-0.9% YoY
|
64% |
| CD Concentration |
30.3%
+3.4% YoY+2.7% QoQ
|
+5.8% | 24.6% | 19.2% | 20.0% | 72% |
| Indirect Auto % |
25.5%
+29.4% YoY+8.2% QoQ
|
+11.9% | 13.6% | 11.9% | 7.7% | 79% |
Signature Analysis
Strengths (0)
Concerns (3)
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)