Homeland Credit Union, Inc.
Major Rating Factors:
A current level of 3.0 percent of nonperforming loans to core capital combined with 2.9 percent from a year earlier contributes to the Excellent asset quality (9.4). Excellent current capitalization (7.9 on a scale of 0 to 10) based on a net capital to total assets of 10.1 and a net worth ratio of 0.0.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.7 on a scale of 0 to 10). Good liquidity 5.1, driven by a liquidity ratio of 21.6 percent and a “hot money” ratio of 20.3 percent.
Asset Mix:
Consumer loans (19%), home mtgs (7%), other (74%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Address
310 Caldwell Street
Chillicothe, OH 45601
Chillicothe, OH 45601
Phone Number
(740) 775-3331
NCUA Charter Number
Website
Largest Competitors
Beavercreek, OH
Cincinnati, OH
Gahanna, OH
Warren, OH
Chillicothe, OH