Home Town Federal Credit Union (NCUA charter #21669) is based in Owatonna, Minnesota. Its Q2 2026 call report shows $293.3M in total assets and $262.5M in member shares and deposits and 2 offices.
Based on its Q2 2026 filing, Home Town Federal Credit Union scores 72/100, which we describe as strong. That is higher than 57% of 1,341 credit unions with $100 million – $1 billion. Among 80 credit unions headquartered in Minnesota, it ranks 39th. Its strongest component is problem-loan coverage (92/100; 4.0%), and its lowest is capital cushion (56/100; 10.61%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 3 points (75 → 72), mostly because the earnings component weakened by 26 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 56 |
| Q3 2024 | 55 |
| Q4 2024 | 55 |
| Q1 2025 | 61 |
| Q2 2025 | 75 |
| Q3 2025 | 74 |
| Q4 2025 | 72 |
| Q1 2026 | 70 |
| Q2 2026 | 72 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 9.03% |
| Q3 2024 | 9.28% |
| Q4 2024 | 9.38% |
| Q1 2025 | 9.34% |
| Q2 2025 | 10.08% |
| Q3 2025 | 10.18% |
| Q4 2025 | 10.29% |
| Q1 2026 | 10.40% |
| Q2 2026 | 10.61% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.57% |
| Q3 2024 | 0.85% |
| Q4 2024 | 0.92% |
| Q1 2025 | 0.83% |
| Q2 2025 | 0.67% |
| Q3 2025 | 0.49% |
| Q4 2025 | 0.62% |
| Q1 2026 | 0.61% |
| Q2 2026 | 0.58% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | -0.07% |
| Q3 2024 | 0.09% |
| Q4 2024 | 0.12% |
| Q1 2025 | 0.58% |
| Q2 2025 | 1.81% |
| Q3 2025 | 1.45% |
| Q4 2025 | 1.33% |
| Q1 2026 | 0.94% |
| Q2 2026 | 1.15% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 72 | $293.3M | 10.61% | 0.58% | 1.15% | 75.6% |
| Q1 2026 | 70 | $295.6M | 10.40% | 0.61% | 0.94% | 73.7% |
| Q4 2025 | 72 | $286.2M | 10.29% | 0.62% | 1.33% | 74.4% |
| Q3 2025 | 74 | $280.9M | 10.18% | 0.49% | 1.45% | 74.2% |
| Q2 2025 | 75 | $278.6M | 10.08% | 0.67% | 1.81% | 75.7% |
| Q1 2025 | 61 | $282.2M | 9.34% | 0.83% | 0.58% | 77.0% |
| Q4 2024 | 55 | $269.2M | 9.38% | 0.92% | 0.12% | 83.5% |
| Q3 2024 | 55 | $270.8M | 9.28% | 0.85% | 0.09% | 84.9% |
| Q2 2024 | 56 | $276.3M | 9.03% | 0.57% | -0.07% | 86.8% |
1,341 peers · $100 million – $1 billion
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in Minnesota
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Greater Community Credit UnionCredit union Dawson, MN | 91 out of 100, Very strong | $296.5M | 20.7% | 0.48% | vs |
| North Shore Federal Credit UnionCredit union Silver Bay, MN | 74 out of 100, Strong | $284.8M | 12.8% | 0.33% | vs |
| Minnesota Valley Federal Credit UnionCredit union Mankato, MN | 77 out of 100, Strong | $329.0M | 11.5% | 0.56% | vs |
| St. Paul Federal Credit UnionCredit union Saint Paul, MN | 76 out of 100, Strong | $252.1M | 12.9% | 0.20% | vs |
| Building Trades Federal Credit UnionCredit union Maple Grove, MN | 73 out of 100, Strong | $249.9M | 10.9% | 0.29% | vs |
| Centricity Credit UnionCredit union Hermantown, MN | 85 out of 100, Very strong | $340.5M | 14.0% | 0.79% | vs |
Deposit insurance
Is my money safe at Home Town Federal Credit Union?
Yes. Home Town Federal Credit Union is a federally insured credit union (NCUA charter #21669). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 4.1% of shares and deposits ($10.6M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.
The net worth ratio is 10.61%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.
2 locations
Branches
Home Town Federal Credit Union lists 2 offices in 2 cities. Most locations:
- Faribault, MN (1)
- Owatonna, MN (1)
Identity & history
Profile
- Legal name
- Home Town Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 21669
- RSSD ID
- 77486
- Primary regulator
- NCUA
- Established
- 1974
- Headquarters
- 2400 W. Bridge St., Owatonna, MN 55060
- Employees
- 63
Quick answers
Home Town Federal Credit Union: common questions
Is Home Town Federal Credit Union NCUA insured?
Yes. Home Town Federal Credit Union is a federally insured credit union (NCUA charter #21669). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is Home Town Federal Credit Union's TellerScore?
72 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does Home Town Federal Credit Union have?
2 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Owatonna
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Arcadian BankBank Hartland, MN | 85 out of 100, Very strong | $242.1M | 12.0% | 0.10% | vs |
| Federated Employees Credit UnionCredit union Owatonna, MN | 82 out of 100, Strong | $66.7M | 13.2% | 0.19% | vs |
| Commerce BankBank Geneva, MN | 78 out of 100, Strong | $220.0M | 13.9% | 0.60% | vs |
| Premier Bank MinnesotaBank Hastings, MN | 77 out of 100, Strong | $691.5M | 10.0% | 0.04% | vs |
| Minnesota First Credit and Savings, IncorporatedBank Rochester, MN | 76 out of 100, Strong | $29.9M | 14.2% | 0.12% | vs |
| Keen Bank, National AssociationBank Waseca, MN | 76 out of 100, Strong | $201.1M | 8.4% | 0.06% | vs |