Federal credit union · Peru, Indiana · NCUA charter #1621
HOMETOWN
Health score 73/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 73
- Health / 100
- $36.4M
- Total assets
- 3,965
- Members
- 32.1%
- Net-worth ratio
HOMETOWN scores 73/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $36.4M; members 3,965; net-worth ratio 32.10%; health rank #3,377 of 4,374; healthier than 21st of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#3,377 of 4,374 health · 2025Q4HOMETOWN · health 73/100 · $36.4M · 2025Q4
Call Report peers
HOMETOWN in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
HOMETOWN vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); HOMETOWN sits in 70-74 with 317 others.
73 21st percentile higher than 21% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for HOMETOWN
- Loan-to-Share Ratio leads the peer set - 105.09% here, 59.80% peer average (+45.29 pp).
- Largest lag: Delinquency Rate at 2.06% vs peer 1.15% (+0.92 pp).
Indiana standing for HOMETOWN
- Health composite ranks #95 of 124 among scored Indiana credit unions.
- By total assets, HOMETOWN is #82 of 124 in Indiana.
- Indiana membership ordinal: #67 of 124.
- One place up in Indiana, One Vision (#94) scores 74/100, 1 point higher; one place down, Financial Center First (#96) ties at 73/100.
HOMETOWN: 2025Q4 → 2026Q1
HOMETOWN: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.2% from $36.4M (2025Q4) to $37.5M (2026Q1).
- Net-worth ratio shifted -0.12 pp (32.22% → 32.10%).
At 32.10%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 73/100 score is built
HOMETOWN gives up 27 points in total. Delinquency Rate costs the most, 12.9 of its 25; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 12.1 pts
- Return on Assets 15.0 pts
- Member Growth 7.2 pts
- Loan-to-Share Ratio 8.7 pts
HOMETOWN health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 32.10% | +17.24 pp |
| Delinquency Rate | 2.06% | +0.92 pp |
| Return on Assets | 3.52% | +2.81 pp |
| Member Growth | -1.02% | - |
| Loan-to-Share Ratio | 105.09% | +45.29 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $37.5M | - |
| 2025Q4 | $36.4M | 3,965 |
| 2024Q4 | $37.1M | 4,006 |
| 2023Q4 | $34.9M | 4,412 |
Credit Union Details
- Charter Number
- 1621
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Indiana
- City
- Peru
- Data Quarter
- 2025Q4
Branch Location
HOMETOWN operates a single office in PERU, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Hometown Federal Credit Union (Main Office) | PERU, IN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Indiana
More federally-insured credit unions based in Indiana, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
Using this data
- HOMETOWN ranks #3,377 of 4,374 nationally on financial health and #95 of 124 in IN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Hoosier United is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Hoosier United
Frequently Asked Questions
Is HOMETOWN financially healthy?
HOMETOWN has a financial health score of 73/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,377 of 4,374 nationally on health and #95 of 124 in Indiana. Its net worth ratio is 32.10% and its delinquency rate 2.06%.
How does HOMETOWN compare to other credit unions?
HOMETOWN scores 73/100, higher than 21% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (105.09% vs 59.80%). Its widest shortfall is delinquency rate (2.06% vs 1.15%).
How can I join HOMETOWN?
HOMETOWN 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 HOMETOWN directly for the exact boundaries and application steps.
Is my money safe at HOMETOWN?
HOMETOWN 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. HOMETOWN's net worth ratio of 32.10% 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.