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
- CHARTER 89/100
- NCUSIF 10.4%
- CAMELS 0.62%
- HEALTH 0.11%
- NW $286.2M
- DELQ 25,751
- ROA #1,308/4,374
- ASSETS Century Heritage
- MEM 21669
Call Report peers
Home Town in the assets neighbourhood
Home Town's $286.2M assets sit next to Century Heritage ($286.5M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
89 Top 31% higher than 69% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Home Town - Share Insurance Coverage
Charter #21669's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
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).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for MN only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Home Town
Home Town: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.3% from $286.2M (2025Q4) to $295.6M (2026Q1).
- Net-worth ratio shifted +0.11 pp (10.29% → 10.40%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 89.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
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
Cross-state asset and health neighbours for Home Town - kept outside Minnesota; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($286.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (89/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Minnesota credit unions compare overall before assuming this one is typical. Minnesota state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Home Town financially healthy?
Home Town scores 89/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,308 of 4,374; by total assets it ranks #1,056 of 4,374 nationally (same basis as /rankings/largest); and #22 of 82 within Minnesota. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 10.40% net worth ratio and a 0.62% delinquency rate.
How does Home Town compare to other credit unions?
Five weighted metrics from NCUA filings produce Home Town's 89/100 score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like Home Town are 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."
What rates does Home Town offer compared to banks?
Credit unions like Home Town are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Home Town directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.