Federal credit union · Owatonna, Minnesota · NCUA charter #21669
Home Town
Health score 89/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $286.2M
- Total assets
- 25,751
- Members
- 10.4%
- Net-worth ratio
Home Town scores 89/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $286.2M; members 25,751; net-worth ratio 10.40%; health rank #1,308 of 4,374; healthier than 69th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#1,308 of 4,374 health · 2025Q4Home Town · health 89/100 · $286.2M · 2025Q4
Call Report peers
Home Town in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Home Town vs every NCUA-scored credit union
Home Town sits in the busiest band, 85-89, alongside 857 other credit unions.
89 Top 31% higher than 69% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where Home Town diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 74.41% vs peer 72.20% (+2.21 pp).
- Net Worth Ratio trails the peer set - 10.40% here, 12.11% peer average (-1.71 pp).
Home Town: in-state Call Report ranks
- Minnesota health ordinal: #37 of 82.
- By total assets, Home Town is #22 of 82 in Minnesota.
- Membership ranks #15 of 82 among Minnesota CUs with a reported count (25,751 members).
- One place up in Minnesota, Minnesota Catholic (#36) ties at 89/100; one place down, Arise Community (#38) scores 88/100, 1 point lower.
Quarter path for Home Town
Home Town: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.3% from $286.2M (2025Q4) to $295.6M (2026Q1).
- Net-worth ratio shifted +0.11 pp (10.29% → 10.40%).
At 10.40%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 89/100 score is built
Home Town gives up 11 points in total. Return on Assets costs the most, 5.9 of its 15; Net Worth Ratio and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 23.8 pts
- Return on Assets 9.1 pts
- Member Growth 11.2 pts
- Loan-to-Share Ratio 14.9 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.40% | -1.71 pp |
| Delinquency Rate | 0.62% | -0.28 pp |
| Return on Assets | 0.11% | -0.51 pp |
| Member Growth | 1.86% | - |
| Loan-to-Share Ratio | 74.41% | +2.21 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Home Town quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $295.6M | - |
| 2025Q4 | $286.2M | 25,751 |
| 2024Q4 | $269.2M | 25,282 |
| 2023Q4 | $273.1M | 23,692 |
Credit Union Details
- Charter Number
- 21669
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Minnesota
- City
- Owatonna
- Data Quarter
- 2025Q4
Branch Locations (4)
Home Town operates 4 offices across 3 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Bridge Street (Main Office) | Owatonna, MN |
| Faribault | Faribault, MN |
| Northfield | Northfield, MN |
| Owatonna South Branch | Owatonna, MN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Minnesota
A look at other Minnesota credit unions, ranked by how closely their peer group and asset size match this one.
Home Town nationwide neighbourhoods
Using this data
- Home Town ranks #1,308 of 4,374 nationally on financial health and #37 of 82 in MN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Greater Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Greater Community
Frequently Asked Questions
Is Home Town financially healthy?
On its 2025Q4 NCUA 5300 filing, Home Town scores 89/100 (Excellent), with a 10.40% net worth ratio and 0.62% of loans delinquent. It ranks #1,308 of 4,374 nationally on health and #37 of 82 in Minnesota.
How does Home Town compare to other credit unions?
Home Town scores 89/100, higher than 69% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (74.41% vs 72.20%). Its widest shortfall is net worth ratio (10.40% vs 12.11%).
How can I join Home Town?
Home Town operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Home Town directly for the exact boundaries and application steps.
Is my money safe at Home Town?
Home Town is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Home Town's net worth ratio of 10.40% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.