BlastPoint's Credit Union Scorecard

HOMELAND

Charter #61089 · OH

Community 500M-750M

169 CUs in 500M-750M nationally 7 in OH

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HOMELAND has 3 strengths but faces 15 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

OH Analysis

How does OH stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Relationship Depth Leader: Top 20.7% in tier
+ Wallet Share Momentum: Top 44.4% in tier
+ Net Worth Ratio: Top 4.7% in tier

Key Concerns

Areas that may need attention

- Institutional Decline: Bottom 16.7% in tier
- Membership Headwinds: Bottom 19.2% in tier
- Stagnation Risk: Bottom 19.4% in tier
- Credit Quality Pressure: Bottom 20.6% in tier
- Indirect Auto Dependency: Bottom 22.1% in tier
- ROA 0.30% below tier average
- Efficiency ratio 0.28% above tier (higher cost structure)
- Delinquency rate 0.04% above tier average
- Member decline: -2.1% YoY
- Loan-to-Share Ratio: Bottom 2.4% in tier
- Total Loans: Bottom 2.4% in tier
- Net Interest Margin (NIM): Bottom 5.9% in tier
- Total Members: Bottom 5.9% in tier
- Loan-to-Member Ratio (LMR): Bottom 7.1% in tier
- Net Charge-Off Rate: Bottom 7.7% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Members	24,322 -2.1% YoY0% QoQ	-15.4K	39,752 -2.7% YoY	16,553 +5.8% YoY	33,089 +6.1% YoY	Bottom 5.3% in tier
Assets	$606.3M +2.5% YoY+1.8% QoQ	$-16.1M	$622.4M +0.3% YoY	$245.2M +8.8% YoY	$547.7M +7.8% YoY	43%
Loans	$174.6M -2.7% YoY-0.7% QoQ	$-261.4M	$435.9M -0.4% YoY	$170.6M +8.7% YoY	$388.7M +8.6% YoY	Bottom 1.8% in tier
Deposits	$529.0M +8.7% YoY+0.4% QoQ	$-9.0M	$538.0M +1.3% YoY	$209.1M +9.7% YoY	$464.6M +9.3% YoY	46%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.4% -61.0% YoY+36.6% QoQ	-0.3%	0.7% +33.9% YoY	0.5% -7.3% YoY	0.7% +273.4% YoY	32%
NIM	2.5% +12.8% YoY-0.3% QoQ	-0.9%	3.4% +8.6% YoY	3.7% +3.3% YoY	3.7% +5.0% YoY	Bottom 5.3% in tier
Efficiency Ratio	78.4% +19.6% YoY-1.8% QoQ	+0.3%	78.1% -3.4% YoY	83.9% +3.6% YoY	79.1% -3.3% YoY	50%
Delinquency Rate	0.8% +11.4% YoY-11.3% QoQ	+0.0	0.8% -4.9% YoY	1.5% +29.9% YoY	1.2% -0.9% YoY	65%
Loan To Share	33.0% -10.5% YoY-1.1% QoQ	-48.0%	81.0% -1.8% YoY	63.8% -2.4% YoY	68.0% -1.7% YoY	Bottom 1.8% in tier
AMR	$28,927 +7.9% YoY+0.1% QoQ	+$2K	$26,482 +2.6% YoY	$17,099 +5.9% YoY	$19,418 +1.3% YoY	72%
CD Concentration	29.9% +0.2% YoY+1.9% QoQ	+5.5%	24.4% +4.2% YoY	19.2% +8.0% YoY	19.6% +6.2% YoY	70%
Indirect Auto %	22.0% +96.9% YoY+11.5% QoQ	+8.0%	14.0% -5.7% YoY	11.2% -0.8% YoY	7.9% -2.9% YoY	74%

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth

#54 of 257 • Top 20.7% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 7.88%

(Tier: 3.68%, National: 4.19%)

better than tier avg

Share Draft per Member: $3.0K

(Tier: $2.8K, National: $2.0K)

better than tier avg

257 of 281 Community CUs have this signature | 341 nationally

↑ Growing +59 CUs YoY | New qualifier

Wallet Share Momentum

growth

#214 of 481 • Top 44.4% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 7.88%

(Tier: 3.68%, National: 4.19%)

better than tier avg

620 nationally

↑ Growing +201 CUs YoY | New qualifier

Concerns (5)

Institutional Decline

decline

#132 of 256 • Bottom 16.7% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $606.26M

(Tier: $331.87M, National: $547.69M)

but better than tier avg

Member Growth (YoY): -2.08%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -2.71%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

256 of 281 Community CUs have this signature | 293 nationally

↓ Shrinking -43 CUs YoY | New qualifier

Membership Headwinds

decline

#316 of 550 • Bottom 19.2% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -2.08%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Stagnation Risk

risk

#320 of 550 • Bottom 19.4% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -2.08%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -2.71%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Rate: 0.83%

(Tier: 0.85%, National: 1.23%)

but better than tier avg

648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Credit Quality Pressure

risk

#510 of 736 • Bottom 20.6% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.09% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

1002 nationally

↓ Shrinking -199 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#356 of 525 • Bottom 22.1% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 2.49%

(Tier: 4.61%, National: 3.04%)

worse than tier avg

Indirect Auto %: 22.01%

(Tier: 13.97%, National: 7.90%)

worse than tier avg

Member Growth (YoY): -2.08%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

768 nationally

↓ Shrinking -18 CUs YoY | New qualifier

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)

Compare against:

Comparing against 169 peers in tier

Top Strengths (3 metrics)

Net Worth Ratio

risk

Value: 15.74%

Peer Avg: -

#9 of 169 Top 4.7% in 500M-750M tier

AMR Growth Rate

growth

Value: 7.88%

Peer Avg: -

#26 of 169 Top 14.8% in 500M-750M tier

Deposit Growth Rate

growth

Value: 8.70%

Peer Avg: -

#36 of 169 Top 20.7% in 500M-750M tier

Top Weaknesses (8 metrics)

166

Loan-to-Share Ratio

balance_sheet

Value: 33.00%

Peer Avg: -

#166 of 169 Bottom 2.4% in 500M-750M tier

166

Total Loans

balance_sheet

Value: $174.55M

Peer Avg: -

#166 of 169 Bottom 2.4% in 500M-750M tier

160

Net Interest Margin (NIM)

profitability

Value: 2.50%

Peer Avg: -

#160 of 169 Bottom 5.9% in 500M-750M tier

160

Total Members

engagement

Value: 24,322

Peer Avg: -

#160 of 169 Bottom 5.9% in 500M-750M tier

158

Loan-to-Member Ratio (LMR)

engagement

Value: $7,177

Peer Avg: -

#158 of 169 Bottom 7.1% in 500M-750M tier

157

Net Charge-Off Rate

risk

Value: 1.15%

Peer Avg: -

#157 of 169 Bottom 7.7% in 500M-750M tier

142

Loan Growth Rate

growth

Value: -2.71%

Peer Avg: -

#142 of 169 Bottom 16.6% in 500M-750M tier

139

Member Growth Rate

growth

Value: -2.08%

Peer Avg: -

#139 of 169 Bottom 18.3% in 500M-750M tier