State credit union · KULM, North Dakota · NCUA charter #61648
HOMETOWN
Health score 65/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 65
- Health / 100
- $212.9M
- Total assets
- 3,350
- Members
- 15.5%
- Net-worth ratio
HOMETOWN scores 65/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $212.9M; members 3,350; net-worth ratio 15.47%; health rank #3,862 of 4,374; healthier than 11th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#3,862 of 4,374 health · 2025Q4HOMETOWN · health 65/100 · $212.9M · 2025Q4
- NW 65/100
- DELQ 15.5%
- ROA 3.95%
- ASSETS 0.81%
- MEM $212.9M
- RANK 3,350
- PHOTO #3,862/4,374
- BOOK Members Choice of Central Texas
- CHARTER 61648
Call Report peers
HOMETOWN in the assets neighbourhood
HOMETOWN's $212.9M assets sit next to Members Choice of Central Texas ($212.9M) 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
65 11th percentile higher than 11% 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
The 2025Q4 NCUA Call Report puts charter #61648 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Peer-gap read for HOMETOWN
- Largest favorable gap: Loan-to-Share Ratio at 101.11% vs peer 72.20% (+28.91 pp).
- Widest shortfall vs peers is Delinquency Rate: +3.05 pp (3.95% vs 0.89%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
HOMETOWN in North Dakota
- In North Dakota, health place is #27 of 29 on the same NCUA-ratio sort used nationally.
- North Dakota assets place: #7 of 29.
- Membership ranks #14 of 29 among North Dakota CUs with a reported count (3,350 members).
In-state ordinals use the live credit_unions table for ND only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How HOMETOWN's 5300 filing moved
HOMETOWN: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.0% from $212.9M (2025Q4) to $219.3M (2026Q1).
- Net-worth ratio shifted -0.09 pp (15.56% → 15.47%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
15.47% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 65/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 65.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 0.3 pts
- Return on Assets 15.0 pts
- Member Growth 9.5 pts
- Loan-to-Share Ratio 10.2 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 15.47% | +3.36 pp |
| Delinquency Rate | 3.95% | +3.05 pp |
| Return on Assets | 0.81% | +0.18 pp |
| Member Growth | 0.39% | - |
| Loan-to-Share Ratio | 101.11% | +28.91 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).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $219.3M | - |
| 2025Q4 | $212.9M | 3,350 |
| 2024Q4 | $208.4M | 3,337 |
| 2023Q4 | $192.1M | 3,315 |
Credit Union Details
- Charter Number
- 61648
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- North Dakota
- City
- KULM
- Data Quarter
- 2025Q4
Branch Locations (5)
HOMETOWN operates 5 offices across 5 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| KULM (Main Office) | KULM, ND |
| ASHLEY BRANCH | Ashley, ND |
| HAZELTON BRANCH | HAZELTON, ND |
| LINCOLN BRANCH | Lincoln, ND |
| MEDINA BRANCH | Medina, ND |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in North Dakota
Other federally-insured credit unions in North Dakota, closest first by peer group and asset size.
Nationwide credit unions with similar profiles
Cross-state asset and health neighbours for HOMETOWN - kept outside North Dakota; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($212.9M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (65/100 here).
Using this data
- HOMETOWN ranks #3,862 of 4,374 nationally on financial health and #27 of 29 in ND -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- RAILWAY is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with RAILWAY
- Rates and health both vary by institution, not just by state -- see how North Dakota credit unions compare overall before assuming this one is typical. North Dakota 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?
Yes/no aside, the number is 65/100 (Good) - HOMETOWN's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,862 of 4,374; by total assets it ranks #1,239 of 4,374 nationally (same basis as /rankings/largest); and #7 of 29 within North Dakota. Above 80 reads excellent, below 50 warrants closer monitoring; a 15.47% net worth ratio and 3.95% delinquency rate are the key drivers.
How does HOMETOWN compare to other credit unions?
65/100 is HOMETOWN's score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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?
Membership eligibility for HOMETOWN depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact HOMETOWN directly for current membership requirements 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 15.47% 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.