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
- CAMELS 73/100
- HEALTH 32.1%
- NW 2.06%
- DELQ 3.52%
- ROA $36.4M
- ASSETS 3,965
- MEM #3,377/4,374
- RANK NSP
- PHOTO 1621
Call Report peers
HOMETOWN in the assets neighbourhood
HOMETOWN's $36.4M assets sit next to NSP ($36.3M) 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.
HOMETOWN 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
73 21st percentile higher than 21% 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
HOMETOWN - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #1621. See our deposit-insurance coverage note.
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).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for IN only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
HOMETOWN: 2025Q4 → 2026Q1
HOMETOWN: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.2% from $36.4M (2025Q4) to $37.5M (2026Q1).
- Net-worth ratio shifted -0.12 pp (32.22% → 32.10%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 73.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
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
HOMETOWN's nationwide photo peers by assets and by health score, excluding Indiana charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($36.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (73/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Indiana credit unions compare overall before assuming this one is typical. Indiana 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 HOMETOWN financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, HOMETOWN carries a financial health score of 73/100 (Very Good). On the national health ranking (same basis as /rankings/healthiest), it sits at #3,377 of 4,374; by total assets it ranks #2,693 of 4,374 nationally (same basis as /rankings/largest); and #82 of 124 within Indiana. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 32.10% net worth ratio and a 2.06% delinquency rate.
How does HOMETOWN compare to other credit unions?
Five weighted metrics from NCUA filings produce HOMETOWN's 73/100 score on PlainCU's health composite, compared to a peer group average for $10M–$50M 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 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?
Federal credit unions like HOMETOWN 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. HOMETOWN's net worth ratio of 32.10% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does HOMETOWN offer compared to banks?
Credit unions like HOMETOWN 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 HOMETOWN 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.