Federal credit union · Mayfield, Kentucky · NCUA charter #16702
Your Hometown
Health score 77/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 77
- Health / 100
- $27.9M
- Total assets
- 1,682
- Members
- 8.9%
- Net-worth ratio
Your Hometown scores 77/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $27.9M; members 1,682; net-worth ratio 8.87%; health rank #3,130 of 4,374; healthier than 28th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#3,130 of 4,374 health · 2025Q4Your Hometown · health 77/100 · $27.9M · 2025Q4
- NCUSIF 77/100
- CAMELS 8.9%
- HEALTH 0.29%
- NW 0.60%
- DELQ $27.9M
- ROA 1,682
- ASSETS #3,130/4,374
- MEM De Soto Mo Pac
- RANK 16702
Call Report peers
Your Hometown in the assets neighbourhood
Your Hometown's $27.9M assets sit next to De Soto Mo Pac ($27.9M) 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.
Your 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
77 28th percentile higher than 28% 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
Your Hometown - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #16702 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Your Hometown: Call Report deltas vs peers
- Delinquency Rate leads the peer set - 0.29% here, 1.15% peer average (-0.86 pp).
- Largest lag: Loan-to-Share Ratio at 38.97% vs peer 59.80% (-20.83 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Your Hometown in Kentucky
- Health composite ranks #40 of 54 among scored Kentucky credit unions.
- By total assets, Your Hometown is #35 of 54 in Kentucky.
- Member book place in Kentucky: #43 of 54.
In-state ordinals use the live credit_unions table for KY only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Your Hometown Call Report trajectory
Your Hometown: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -2.8% from $27.9M (2025Q4) to $27.1M (2026Q1).
- Net-worth ratio shifted +0.05 pp (8.82% → 8.87%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 8.87%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 77/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 77.
- Net Worth Ratio 27.2 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 9.8 pts
Your Hometown health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.87% | -5.99 pp |
| Delinquency Rate | 0.29% | -0.86 pp |
| Return on Assets | 0.60% | -0.11 pp |
| Member Growth | -33.39% | - |
| Loan-to-Share Ratio | 38.97% | -20.83 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).
Your Hometown quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $27.1M | - |
| 2025Q4 | $27.9M | 1,682 |
| 2024Q4 | $26.8M | 2,525 |
| 2023Q4 | $27.6M | 2,522 |
Credit Union Details
- Charter Number
- 16702
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Kentucky
- City
- Mayfield
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for Your Hometown.
| Office | City |
|---|---|
| Your Hometown Federal Credit Union (Main Office) | Mayfield, KY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Kentucky
More federally-insured credit unions based in Kentucky, ordered by peer group match and asset size.
Cross-state Call Report peers for Your Hometown
Cross-state asset and health neighbours for Your Hometown - kept outside Kentucky; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($27.9M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (77/100 here).
Using this data
- Your Hometown ranks #3,130 of 4,374 nationally on financial health and #40 of 54 in KY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Labor Management is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Labor Management
- Rates and health both vary by institution, not just by state -- see how Kentucky credit unions compare overall before assuming this one is typical. Kentucky 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 Your Hometown financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Your Hometown carries a financial health score of 77/100 (Very Good). On the national health ranking (same basis as /rankings/healthiest), it sits at #3,130 of 4,374; by total assets it ranks #2,909 of 4,374 nationally (same basis as /rankings/largest); and #35 of 54 within Kentucky. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 8.87% net worth ratio and a 0.29% delinquency rate.
How does Your Hometown compare to other credit unions?
Your Hometown scores 77/100 on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 Your Hometown?
Your 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 Your Hometown directly for the exact boundaries and application steps.
Is my money safe at Your Hometown?
Federal credit unions like Your 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. Your Hometown's net worth ratio of 8.87% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Your Hometown offer compared to banks?
Credit unions like Your 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 Your 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.