BlastPoint's Credit Union Scorecard
HOMELAND
Charter #61089 · OH
HOMELAND has 3 strengths but faces 8 concerns
How does the industry compare?
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How does OH stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 63.4% in tier
- + ROA 0.35% above tier average
- + Net Worth Ratio: Top 4.2% in tier
Key Concerns
Areas that may need attention
- - Institutional Decline: Bottom 14.9% in tier
- - Credit Quality Pressure: Bottom 34.0% in tier
- - Indirect Auto Dependency: Bottom 51.9% in tier
- - Stagnation Risk: Bottom 66.2% in tier
- - Membership Headwinds: Bottom 66.2% in tier
- - Delinquency rate 0.51% above tier average
- - Loan-to-Share Ratio: Bottom 2.4% in tier
- - Total Loans: Bottom 3.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
23,854
-1.3% YoY-1.0% QoQ
|
-14.2K |
38,079
-4.8% YoY
|
16,936
+6.2% YoY
|
33,913
+5.7% YoY
|
Bottom 6.0% in tier |
| Assets |
$619.8M
+3.8% YoY+0.3% QoQ
|
+$119K |
$619.7M
-0.2% YoY
|
$257.9M
+8.7% YoY
|
$578.3M
+9.0% YoY
|
50% |
| Loans |
$166.5M
-5.4% YoY-2.1% QoQ
|
$-252.9M |
$419.3M
-1.4% YoY
|
$174.2M
+8.4% YoY
|
$402.4M
+8.7% YoY
|
Bottom 2.4% in tier |
| Deposits |
$543.4M
+2.7% YoY+0.8% QoQ
|
+$4.0M |
$539.5M
-0.1% YoY
|
$221.5M
+9.0% YoY
|
$494.3M
+9.1% YoY
|
51% |
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| ROA |
1.0%
+332.0% YoY+183.8% QoQ
|
+0.4% |
0.7%
+36.0% YoY
|
0.6%
+16.1% YoY
|
0.4%
-39.2% YoY
|
75% |
| NIM |
2.7%
+16.8% YoY+8.8% QoQ
|
-0.8% |
3.5%
+4.5% YoY
|
3.7%
+1.7% YoY
|
3.8%
+4.1% YoY
|
Bottom 9.0% in tier |
| Efficiency Ratio |
64.9%
-19.9% YoY-17.5% QoQ
|
-13.5% |
78.4%
-3.7% YoY
|
82.0%
-2.0% YoY
|
84.6%
+2.8% YoY
|
Top 10.8% in tier |
| Delinquency Rate |
1.2%
+11.4% YoY+22.2% QoQ
|
+0.5 |
0.7%
-0.9% YoY
|
1.4%
+35.7% YoY
|
1.2%
+3.4% YoY
|
Bottom 14.4% in tier |
| Loan To Share |
30.6%
-7.9% YoY-2.9% QoQ
|
-47.0% |
77.7%
-1.2% YoY
|
61.3%
-2.1% YoY
|
65.6%
-1.4% YoY
|
Bottom 1.8% in tier |
| AMR |
$29,760
+2.1% YoY+1.2% QoQ
|
+$3K |
$26,927
+3.1% YoY
|
$17,686
+5.3% YoY
|
$19,920
+1.6% YoY
|
72% |
| CD Concentration |
29.5%
+2.8% YoY-0.5% QoQ
|
+5.3% | 24.3% | 19.4% | 19.8% | 70% |
| Indirect Auto % |
23.6%
+41.8% YoY+4.2% QoQ
|
+9.8% | 13.8% | 11.4% | 7.7% | 76% |
Signature Analysis
Strengths (1)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (5)
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)