Homebase Federal Credit Union
Total assets
$295.0M
▲ +3.0% YoY
Shares & deposits
$265.7M
▲ +1.9% YoY
Loans
$148.0M
▼ -1.1% YoY
Members
16,140
▼ -5.4% YoY
ROA (annualized)
1.09%
peers 0.69%
ROE (annualized)
10.20%
peers 5.95%
Peer comparison 1,070 credit unions with 100M-500M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.0% | +3.9% | -0.9 pts |
| Share growth (YoY) | +1.9% | +3.3% | -1.4 pts |
| Loan growth (YoY) | -1.1% | +2.9% | -4.1 pts |
| ROA | 1.09% | 0.69% | +0.4 pts |
| ROE | 10.2% | 5.9% | +4.2 pts |
ROA ranks in the 74th percentile of its peer group · Q1 2026
Profile
- Established
- 1952
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 5
- Address
- 4495 Crossings Blvd, Prince George, VA, 23875
- NCUA charter #
- 7722
- RSSD ID
- 129787
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $295.0M | $265.7M | $148.0M | $31.5M | $803K | 1.09% | 3.54% | 0.68% | 16,140 |
| Q4 2025 | $291.9M | $262.9M | $150.7M | $30.7M | $2.8M | 0.97% | 3.54% | 0.87% | 16,213 |
| Q3 2025 | $284.1M | $256.0M | $150.3M | $30.0M | $2.2M | 1.02% | 3.58% | 1.26% | 16,575 |
| Q2 2025 | $282.3M | $255.5M | $152.4M | $29.1M | $1.2M | 0.87% | 3.56% | 1.03% | 15,484 |
| Q1 2025 | $286.4M | $260.7M | $149.7M | $28.5M | $637K | 0.89% | 3.41% | 0.91% | 17,062 |
| Q4 2024 | $270.9M | $246.6M | $149.9M | $27.8M | $1.7M | 0.63% | 3.27% | 0.53% | 17,084 |
| Q3 2024 | $272.2M | $247.7M | $148.1M | $27.5M | $1.4M | 0.68% | 3.18% | 0.75% | 17,184 |
| Q2 2024 | $268.4M | $247.4M | $146.5M | $27.2M | $1.1M | 0.79% | 3.15% | 0.33% | 17,302 |
Loan mix (Q1 2026): real estate $33.8M · commercial $18.1M · consumer $93.3M · securities $113.0M
Ratio pack Q1 2026 · peer medians from 1070 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.09% | 0.69% | 74th | |
Return on equity Annualized net income ÷ equity or net worth | 10.2% | 5.9% | 84th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.54% | 3.62% | 46th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.6% | 78.7% | 30th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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