# HOMELAND
CHILLICOTHE, OH · NCUA charter 61089 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/homeland-61089

Who the members are: state charter, organized 1932. 23,854 members of 484,980 potential (4.9% of the field); checking penetration 64% (share draft accounts per 100 members); loans per 100 members 63.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $619.8M |
| Members | 23,854 (-1.3% YoY) |
| Full-time staff | 64 |
| Net worth | $97.3M |
| Net worth ratio | 15.7% (p94 of band) |
| ROA (annualized) | 1.04% (p75 of band) |
| Total delinquency | 1.22% (p87 of band) |
| Net charge-offs (annualized) | 0.78% (p78 of band) |
| Loans / shares | 31% (p1 of band) |
| Cash / assets | 12.6% |
| Borrowings / assets | 0.10% |
| Net interest margin | 2.71% (p10 of band) |
| Operating expense / assets | 2.10% (p5 of band) |
| Vehicles % of loans | 49% (p87 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 48% |
| Third-party paper % of net worth | 40% (p33 of band) |
| Vehicle delinquency | 1.11% (p80 of band) |
| Vehicle NCO | 0.97% (p56 of band) |
| Repossessed % of vehicle book | 0.25% (p87 of band) |
| Real estate % of loans | 31% |
| Credit cards % of loans | 9% |
| Unsecured % of loans | 16% |
| Commercial % of net worth | 2% |
| Core shares % of member funds | 42% |
| Certificates % of member funds | 30% |
| Average share balance | $10,211 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $3.5M |
| Loans outstanding per 100 members | 63% |
| Loans granted per 100 members, annualized | 12% |
| Average loan balance | $11,044 |
| Loans granted, annualized | $69.2M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $3.5M outstanding purchased (3.6% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 2.7% year over year.

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 1 | net worth falling |  |
| 2019-03 | 2 | delinquency 2x band |  |
| 2019-06 | 1 |  | net worth falling |
| 2019-09 | 1 |  |  |
| 2019-12 | 2 | net worth falling |  |
| 2020-03 | 4 | losing money, margin squeeze |  |
| 2020-06 | 2 |  | delinquency 2x band, losing money |
| 2020-09 | 1 |  | net worth falling |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 | net worth falling | margin squeeze |
| 2021-06 | 0 |  | net worth falling |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 1 | delinquency rising |  |
| 2022-09 | 2 | assets shrinking |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 0 |  | delinquency rising, assets shrinking |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 2 | net worth falling, leaning on borrowings |  |
| 2024-06 | 1 |  | net worth falling |
| 2024-09 | 1 |  |  |
| 2024-12 | 0 |  | leaning on borrowings |
| 2025-03 | 1 | delinquency rising |  |
| 2025-06 | 1 | charge-offs p90 | delinquency rising |
| 2025-09 | 1 |  |  |
| 2025-12 | 2 | net worth falling |  |
| 2026-03 | 1 | delinquency 2x band | charge-offs p90, net worth falling |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-09-08 [Financial education partnership celebrates graduates - Chillicothe Gazette](https://news.google.com/rss/articles/CBMigAJBVV95cUxQMjQxSEg2eXFxVmtxZUJ0VUhNc3hMS0hQMm9hV1hJc0hlTS1WYkZSTUludXB1SVg5ZkFvTnBqTHhNRzhqdVg2LVNub3cwRDFxS1Jobjhqek9zWjZLMUU5WHpwUnM4OVJobWMxWWRJMzVkVWppYTl5ZnhlMzVURjFfM2hWR3NYdFg1T2ZOSF9KWThPNmdKQ0U5MWhLMkI0YWQ4SUQ2YWM5R2FlX21JNDQ0LXFqOTBROU9DOTZyelFOdXBfaDU4eUxMY3pmUG9ITkcwSlN2Z3VPUTktOGlYc3BXOTNlWWhrWFNRUDlFZUJ0WTNRY2FwRzRTbHpoVENjNFJm?oc=5) · Chillicothe Gazette
- 2026-09-02 [U. S. Paper Mill Company and Homeland Credit Union Celebrate Success of Financial Wellness Partnership - Litter Media](https://news.google.com/rss/articles/CBMiwgFBVV95cUxQN19jRnNIb0J0MnVqa0xVQk9KQ212SFJiWHJYMDRKYndZR1phM3I3ZnA2MzAxZWdOUHVXYlRrN3g5cVA2Z290Rk5PdGZMZTItNmlIeGVVR3l1bDNVY3pTenpCSWNUXzFuSTFld3hMNU5Mb2l0bnUyTThORDRhXzVXLWRqVHcydFZocVhneUc1VkJ4VUl0aUFoVC1QZlJ0YWxPU2psLWd2Ym9reE11RWxKSXFpVnlOcWx5VnVfLTFyem1Wdw?oc=5) · Litter Media
- 2026-06-30 [Judith Ann Abernathy Obituary (2026) - Frankfort, OH - Ebright Funeral Home - Frankfort - legacy.com](https://news.google.com/rss/articles/CBMihgFBVV95cUxNZ2ZZSXZ1VTMzcUxxVk9HNkE0RUM1TWRNdC1LTlNoWXNJenBZVVFqWEdsSU84TjZWUU03ZGxqVG54SmhjYTFjM2o2M1dVNUhEakdBX3lDVVN5Ul9WZS1mLXQ3ek5rMzZUYWhBb2wzTWZqTnBHNHNYMC0tSjJhWXYzdmQ0V0w2UQ?oc=5) · legacy.com
- 2025-05-06 [Homeland Credit Union Goes Live with MDT to Enhance Efficiencies and the Member Experience - Business Wire](https://news.google.com/rss/articles/CBMi4AFBVV95cUxQQ2JyQW5fd3BVaDJuX0JldEFwd1FkdTVCZlpYVm5YTUNLMnRQM2xEVVdkX0J1QVlMVFBzTS1zd2QxeUg2Vk1xVG1KV0Q2dzNzbEZybjZNNm5tTEEyeHZXOXVfTTUyb3drVzk0RTFQdDNPSWJrUUtDRHVvRXF4RzJENEdtNmZaUmNzeFZyWFJLYVRxazBKWXU0RTkwb0hidU5NbTRLbzQ1ZDkzQnhRMVQ0akJobmh6dXdvUHM3MmNvOHVZaVAxa1cyOTZtc0tRYVVGOFVzSW9xbVdMM2l0TUVNbA?oc=5) · Business Wire
- 2015-08-01 [Michael Henson Obituary Aug 1, 2015 - Haller Funeral Home & Crematory](https://news.google.com/rss/articles/CBMia0FVX3lxTE1POWZnTGcyMWVpMjVCX21tdHJ0SWRsc2Nia3RjeFQ5QTk0MGdWdVAwd25ESmRsT25XdFc1MDFvSXdlN1l2d0tzb3hVcjNQb0xMblNENU54SFFLcVpkc0Y1akZaZkt3ek5qVVpB?oc=5) · Haller Funeral Home & Crematory
- 2022-06-10 [Elizabeth "Liz" M Staten Obituary Jan 9, 2018 - Ebright Funeral Homes](https://news.google.com/rss/articles/CBMidEFVX3lxTFBOMGlhSk1rNHNEeG1vOExCcGlEMUlOZ3NhckROOENFSkRaTWExVG1HY2V5S0dBd1A2S19tak9GNC05aExIVXNzSGt5NzQycFgxRXpxVjlhODNRMDNLOUhfaGVTVWkwdnZXaVBMTE8tZVVTX3lH?oc=5) · Ebright Funeral Homes
- 2022-10-03 [Kendall R. Skaggs Obituary Oct 3, 2022 - Ware Funeral Home](https://news.google.com/rss/articles/CBMiXEFVX3lxTE8wRmREcVpHRm1aSFdlTTRCYW44aG9sNDVqNDlYeU9mcGhRaUtiX0E4ZDdpZWVmeXp4cy1QOHRxM0d3TUgzRDZXSkVtOTFwNTB1a2t1bnJBUTVvVzl1?oc=5) · Ware Funeral Home
- 2020-06-04 [Andrew E. Brown Obituary May 30, 2020 - Frank E Smith Funeral Home and Crematory](https://news.google.com/rss/articles/CBMiYkFVX3lxTFBTYVp5Z056aG1ZOUwwRUptLXpSWHFkWmZMR0NkR1ZWMjJTYWdPdU5UQUx0WDNIS0xrLUVmdkhhWWI3UlVCTlhyOUF0dk1UR3F2OXo0S3ZGc1ZUWjBHTU1ROE5B?oc=5) · Frank E Smith Funeral Home and Crematory

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=61089 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/33.json (key "61089", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=61089
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide