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
Call Report peers
Your Hometown in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Your Hometown sits in 75-79 with 502 others.
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: 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).
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.
- One place up in Kentucky, Members Choice (#39) scores 78/100, 1 point higher; one place down, MSD (#41) scores 76/100, 1 point lower.
Your Hometown Call Report trajectory
Your Hometown: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -2.8% from $27.9M (2025Q4) to $27.1M (2026Q1).
- Net-worth ratio shifted +0.05 pp (8.82% → 8.87%).
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
Your Hometown gives up 23 points in total. Member Growth costs the most, 15 of its 15; Delinquency Rate and Return on Assets score full marks.
- 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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
Similar total assets
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
Frequently Asked Questions
Is Your Hometown financially healthy?
Your Hometown has a financial health score of 77/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,130 of 4,374 nationally on health and #40 of 54 in Kentucky. Its net worth ratio is 8.87% and its delinquency rate 0.29%.
How does Your Hometown compare to other credit unions?
Your Hometown scores 77/100, higher than 28% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is delinquency rate (0.29% vs 1.15%). Its widest shortfall is loan-to-share ratio (38.97% vs 59.80%).
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?
Your 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. Your Hometown's net worth ratio of 8.87% 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.