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.
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NCUA 5300 Call Report Masthead
#3,862 of 4,374 health · 2025Q4HOMETOWN · health 65/100 · $212.9M · 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 65-69 with 275 others.
65 11th percentile higher than 11% 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
- 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%).
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).
- One place up in North Dakota, COMMUNITY (#26) scores 67/100, 2 points higher; one place down, F.F.E. (#28) ties at 65/100.
How HOMETOWN's 5300 filing moved
HOMETOWN: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.0% from $212.9M (2025Q4) to $219.3M (2026Q1).
- Net-worth ratio shifted -0.09 pp (15.56% → 15.47%).
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
HOMETOWN gives up 35 points in total. Delinquency Rate costs the most, 24.7 of its 25; Net Worth Ratio and Return on Assets score full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
Similar total assets
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
Frequently Asked Questions
Is HOMETOWN financially healthy?
HOMETOWN has a financial health score of 65/100 (Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,862 of 4,374 nationally on health and #27 of 29 in North Dakota. Its net worth ratio is 15.47% and its delinquency rate 3.95%.
How does HOMETOWN compare to other credit unions?
HOMETOWN scores 65/100, higher than 11% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (101.11% vs 72.20%). Its widest shortfall is delinquency rate (3.95% vs 0.89%).
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?
HOMETOWN is a state-chartered 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 15.47% 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.