Homeland CU (OH)

Homeland CU (OH) is headquartered in CHILLICOTHE and is the 12^st largest credit union in the state of Ohio. It is also the 588^th largest credit union in the nation. It was established in 1932 and as of December of 2011, it had grown to 51 employees and 21,828 members. Homeland CU (OH)'s savings rates are 3X the national average, and it boasts a 5-star health rating.

Homeland CU (OH) Checking Account Rates

Homeland CU (OH) Savings Account Rates

Homeland CU (OH) CD Rates

Data for Q4 2011

Institution Statistics HOMELAND NCUA # 61089 BankRate Report View Year Chartered 1932 Employees 51 Primary Regulator Assets and Liabilities Assets $332.42 million Loans $84.92 million Deposits $276.07 million Equity Capital $55.76 million Loan Loss Allowance $1.05 million Unbacked Noncurrent Loans $931,000 Real Estate Owned $72,000 Historic Data - December 2010 Assets $324.60 million Equity Capital $52.45 million Loan Loss Allowance $950,000 Unbacked Noncurrent Loans $663,000 Profit Margin - Quarterly Net Interest Margin 5.79% Return on Assets 0.75% Return on Equity 4.47% Interest Income $10.65 million Non-Interest Income $2.29 million

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Homeland CU (OH) had $1 million in non-current loans and owned real-estate with $56.81 million in equity and loan loss allowances on hand to cover it. This gives Homeland CU (OH) a Texas Ratio of 1.77% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Homeland CU (OH) held steady from 1.24% as of December 31, 2010 to 1.77% as of December 31, 2011, resulting in a negative change of 42.19%. This indicates that the balance sheet and financial strength for Homeland CU (OH) has held steady in recent periods. Deposit Growth In the past year, Homeland CU (OH) has increased its total deposits by $5.17 million, resulting in 1.91% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Homeland CU (OH) has shown is above average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Homeland CU (OH) has $332.42 million in assets with $56.81 million in equity, resulting in a capitalization level of 17.09%, which is excellent.

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