Home

Clarksburg, WV · 1 · Charter #6674 · www.homefcu.org
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$36.2M
85th percentile
Members
3,045
85th percentile
Total loans
$25.1M
94th percentile
Total shares
$30.8M
86th percentile

Profitability

Return on assets
0.82%
51th percentile
Net interest margin
3.75%
42th percentile
Efficiency ratio
69.02%
45th percentile
Non-interest income ratio
16.70%
74th percentile

Capital & Risk

Net worth ratio
14.87%
50th percentile
Delinquency rate
0.99%
41th percentile
Net charge-off rate
0.03%
70th percentile
Loan-to-share
81.71%
78th percentile

Growth

Member growth YoY
2.77%
88th percentile
Asset growth YoY
5.17%
74th percentile
Loan growth YoY
7.58%
86th percentile
Share growth YoY
5.02%
75th percentile

Operations

Members / branch
1,523
65th percentile
Assets / member
$11,877
70th percentile
Field of membership penetration
4.73%
17th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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