| Metric | Homeland Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.9% | +4.8% | -0.9 pts |
| Share growth (YoY) | +2.7% | +4.3% | -1.6 pts |
| Loan growth (YoY) | -5.4% | +4.3% | -9.7 pts |
| ROA | 1.04% | 0.62% | +0.4 pts |
| ROE | 6.6% | 5.9% | +0.7 pts |
ROA ranks in the 75th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $619.8M | $543.4M | $166.5M | $97.3M | $1.6M | 1.04% | 2.71% | 1.22% | 23,854 |
| Q4 2025 | $617.9M | $539.1M | $170.0M | $95.9M | $2.2M | 0.36% | 2.46% | 1.00% | 24,106 |
| Q3 2025 | $606.3M | $529.0M | $174.6M | $95.4M | $1.6M | 0.36% | 2.48% | 0.83% | 24,322 |
| Q2 2025 | $595.8M | $526.9M | $175.9M | $94.6M | $794K | 0.27% | 2.51% | 0.94% | 24,322 |
| Q1 2025 | $596.8M | $528.9M | $176.0M | $94.1M | $355K | 0.24% | 2.29% | 1.09% | 24,174 |
| Q4 2024 | $582.4M | $515.9M | $177.1M | $93.8M | $4.6M | 0.80% | 2.27% | 1.00% | 24,737 |
| Q3 2024 | $591.6M | $486.7M | $179.4M | $93.4M | $4.1M | 0.93% | 2.20% | 0.75% | 24,839 |
| Q2 2024 | $582.1M | $488.3M | $178.1M | $92.8M | $3.5M | 1.20% | 2.20% |
| Ratio | Homeland Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.04% | 0.62% | 75th | |
Return on equity Annualized net income ÷ equity or net worth | 6.6% | 5.9% | 58th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.71% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.68% |
| 24,025 |
Loan mix (Q1 2026): real estate $50.9M · commercial $1.9M · consumer $107.8M · securities $374.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.9% | 78.3% | 14th |
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% |
| Ratio | Homeland Credit Union | 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% |
| Ratio | Homeland Credit Union | 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% |
| Ratio | Homeland Credit Union | 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% |
| Ratio | Homeland Credit Union | 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% |
The full ratio pack is part of CharterBench Pro.