TellerScore

Home Federal Credit Union (NCUA charter #6674) is based in Clarksburg, West Virginia. Its Q2 2026 call report shows $38.4M in total assets and $32.8M in member shares and deposits and 2 offices across 2 states.

Home Federal Credit Union has a TellerScore of 77 out of 100 (strong) based on Q2 2026 data — higher than 57% of its 2,479 credit unions with under $100 million in assets. Among 74 credit unions headquartered in West Virginia, it ranks 33rd. Capital cushion contributes the most (93/100, 14.33%); earnings contributes the least (45/100, 0.62%).

TellerScore · Q2 2026

Scorecard

Capital cushion93/100
Net worth ratio: 14.33%
Loan quality70/100
Loans 60+ days delinquent ÷ total loans: 0.89%
Earnings45/100
Return on assets (annualized): 0.62%
Funding & liquidity86/100
Loans ÷ shares: 74.4% · 5.9% uninsured
Problem-loan coverage92/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.96%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 5 points (72 → 77), mostly because the loan quality component improved by 16 points.

TellerScore
687479Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202478
Q3 202472
Q4 202468
Q1 202579
Q2 202572
Q3 202572
Q4 202577
Q1 202676
Q2 202677
Net worth ratio
7.00%10.96%14.91%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202414.91%
Q3 202414.73%
Q4 202414.89%
Q1 202514.26%
Q2 202514.45%
Q3 202514.69%
Q4 202514.87%
Q1 202614.41%
Q2 202614.33%
Delinquent loans (60+ days)
0.22%0.92%1.62%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.51%
Q3 20241.12%
Q4 20241.62%
Q1 20250.22%
Q2 20251.38%
Q3 20251.47%
Q4 20250.99%
Q1 20260.87%
Q2 20260.89%
Return on assets
0.20%0.46%0.72%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.33%
Q3 20240.24%
Q4 20240.31%
Q1 20250.20%
Q2 20250.52%
Q3 20250.64%
Q4 20250.72%
Q1 20260.61%
Q2 20260.62%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202677$38.4M14.33%0.89%0.62%74.4%
Q1 202676$37.7M14.41%0.87%0.61%76.8%
Q4 202577$36.2M14.87%0.99%0.72%81.7%
Q3 202572$36.0M14.69%1.47%0.64%79.2%
Q2 202572$36.1M14.45%1.38%0.52%75.8%
Q1 202579$36.0M14.26%0.22%0.20%74.6%
Q4 202468$34.4M14.89%1.62%0.31%79.8%
Q3 202472$34.5M14.73%1.12%0.24%80.2%
Q2 202478$34.0M14.91%0.51%0.33%83.0%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio14.33%
50th
Problem loans0.89%
43rd
Net charge-offs0.31%
38th
Return on assets0.62%
48th
Loans to deposits74.4%
26th
Uninsured deposits5.9%
17th
Loan-loss reserves0.00%
37th
Texas ratio4.0%
36th

Similar-size credit unions in West Virginia

InstitutionScoreAssetsCapitalProblem loansCompare
Morgantown a E S Federal Credit UnionCredit union Morgantown, WV67 out of 100, Moderate$37.7M9.7%0.49%vs
Union Trades Federal Credit UnionCredit union Parkersburg, WV84 out of 100, Strong$34.4M18.4%0.92%vs
Chhe Federal Credit UnionCredit union Huntington, WV62 out of 100, Moderate$33.6M9.4%1.08%vs
Hope Federal Credit UnionCredit union Bridgeport, WV89 out of 100, Very strong$43.3M19.9%0.38%vs
Kemba Charleston Federal Credit UnionCredit union Dunbar, WV81 out of 100, Strong$44.7M20.6%1.00%vs
Preston Federal Credit UnionCredit union Kingwood, WV81 out of 100, Strong$31.2M13.6%1.10%vs

Deposit insurance

Is my money safe at Home Federal Credit Union?

Yes. Home Federal Credit Union is a federally insured credit union (NCUA charter #6674). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 5.9% of shares and deposits ($1.9M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 14.33%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Home Federal Credit Union lists 2 offices in 2 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Home Federal Credit Union
Type
Federal credit union
NCUA charter #
6674
RSSD ID
673486
Primary regulator
NCUA
Established
1950
Headquarters
131 W Pike St, Clarksburg, WV 26301
Employees
9

Quick answers

Home Federal Credit Union: common questions

Is Home Federal Credit Union NCUA insured?

Yes. Home Federal Credit Union is a federally insured credit union (NCUA charter #6674). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Home Federal Credit Union's TellerScore?

77 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Home Federal Credit Union have?

2 offices as of the latest NCUA data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Clarksburg

InstitutionScoreAssetsCapitalProblem loansCompare
Harrison County Federal Credit UnionCredit union Nutter Fort, WV91 out of 100, Very strong$15.6M18.4%0.14%vs
Hope Federal Credit UnionCredit union Bridgeport, WV89 out of 100, Very strong$43.3M19.9%0.38%vs
Marion County School Employees Federal Credit UnionCredit union Fairmont, WV89 out of 100, Very strong$9.9M20.7%0.53%vs
City of Clarksburg Federal Credit UnionCredit union Clarksburg, WV83 out of 100, Strong$8.2M14.2%0.02%vs
Clear Mountain BankBank Bruceton Mills, WV83 out of 100, Strong$1.0B13.1%0.30%vs
Chessie Federal Credit UnionCredit union Cumberland, MD83 out of 100, Strong$434.4M13.8%0.82%vs