BlastPoint's Credit Union Scorecard
HOMELAND
Charter #61089 · OH
HOMELAND has 3 strengths but faces 14 concerns
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How does OH stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 49.4% in tier
- + Wallet Share Momentum: Top 99.0% in tier
- + Net Worth Ratio: Top 4.2% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 27.7% in tier
- - Institutional Decline: Bottom 37.2% in tier
- - Indirect Auto Dependency: Bottom 43.6% in tier
- - Membership Headwinds: Bottom 53.2% in tier
- - ROA 0.29% below tier average
- - Efficiency ratio 1.11% above tier (higher cost structure)
- - Delinquency rate 0.16% above tier average
- - Member decline: -2.6% YoY
- - Total Loans: Bottom 2.4% in tier
- - Loan-to-Share Ratio: Bottom 2.4% in tier
- - Loan-to-Member Ratio (LMR): Bottom 4.2% in tier
- - Net Interest Margin (NIM): Bottom 4.8% in tier
- - Total Members: Bottom 6.1% in tier
- - Net Charge-Off Rate: Bottom 9.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
24,106
-2.6% YoY-0.9% QoQ
|
-14.5K |
38,575
-4.8% YoY
|
16,819
+5.2% YoY
|
33,374
+5.7% YoY
|
Bottom 5.5% in tier |
| Assets |
$617.9M
+6.1% YoY+1.9% QoQ
|
$-3.9M |
$621.7M
+0.1% YoY
|
$253.6M
+9.4% YoY
|
$561.6M
+9.7% YoY
|
47% |
| Loans |
$170.0M
-4.0% YoY-2.6% QoQ
|
$-259.8M |
$429.8M
-1.8% YoY
|
$173.0M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
Bottom 1.8% in tier |
| Deposits |
$539.1M
+4.5% YoY+1.9% QoQ
|
+$435K |
$538.7M
+0.6% YoY
|
$217.1M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
51% |
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| ROA |
0.4%
-53.6% YoY+0.8% QoQ
|
-0.3% |
0.7%
+42.9% YoY
|
0.4%
-22.9% YoY
|
0.7%
+15.9% YoY
|
31% |
| NIM |
2.5%
+10.7% YoY-0.4% QoQ
|
-1.0% |
3.4%
+8.0% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
Bottom 4.2% in tier |
| Efficiency Ratio |
78.6%
+13.3% YoY+0.3% QoQ
|
+1.1% |
77.5%
-4.1% YoY
|
82.6%
+2.4% YoY
|
79.7%
-3.3% YoY
|
53% |
| Delinquency Rate |
1.0%
-0.4% YoY+19.5% QoQ
|
+0.2 |
0.8%
-1.1% YoY
|
1.6%
+33.3% YoY
|
1.3%
-2.1% YoY
|
74% |
| Loan To Share |
31.5%
-8.1% YoY-4.4% QoQ
|
-48.3% |
79.8%
-2.3% YoY
|
63.0%
-2.6% YoY
|
67.4%
-1.7% YoY
|
Bottom 1.8% in tier |
| AMR |
$29,418
+5.0% YoY+1.7% QoQ
|
+$3K |
$26,849
+2.7% YoY
|
$17,423
+5.7% YoY
|
$19,687
+2.0% YoY
|
72% |
| CD Concentration |
29.7%
+2.3% YoY-0.6% QoQ
|
+5.3% | 24.4% | 19.4% | 19.8% | 70% |
| Indirect Auto % |
22.6%
+69.7% YoY+2.8% QoQ
|
+8.8% | 13.8% | 11.2% | 7.8% | 75% |
Signature Analysis
Strengths (2)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
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.
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)