TellerScore

Hometown Credit Union (NCUA charter #61648) is based in Kulm, North Dakota. Its Q2 2026 call report shows $223.1M in total assets and $182.0M in member shares and deposits and 3 offices.

Hometown Credit Union has a TellerScore of 58 out of 100 (moderate) based on Q2 2026 data — higher than only 16% of its 1,341 credit unions with $100 million – $1 billion. Among 29 credit unions headquartered in North Dakota, it ranks 27th. Capital cushion contributes the most (100/100, 15.56%); loan quality contributes the least (0/100, 6.81%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 15.56%
Loan quality0/100
Loans 60+ days delinquent ÷ total loans: 6.81%
Earnings77/100
Return on assets (annualized): 1.43%
Funding & liquidity62/100
Loans ÷ shares: 98.1% · 8.9% uninsured
Problem-loan coverage30/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 35.16%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (58 → 58).

TellerScore
545862Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202459
Q3 202454
Q4 202455
Q1 202562
Q2 202558
Q3 202557
Q4 202557
Q1 202662
Q2 202658
Net worth ratio
7.00%11.28%15.56%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202415.09%
Q3 202414.95%
Q4 202414.88%
Q1 202514.68%
Q2 202515.03%
Q3 202515.43%
Q4 202515.56%
Q1 202615.47%
Q2 202615.56%
Delinquent loans (60+ days)
2.71%4.76%6.81%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20242.71%
Q3 20243.72%
Q4 20243.82%
Q1 20252.73%
Q2 20254.72%
Q3 20253.75%
Q4 20253.95%
Q1 20263.05%
Q2 20266.81%
Return on assets
0.73%1.08%1.44%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.78%
Q3 20240.73%
Q4 20240.82%
Q1 20251.17%
Q2 20251.10%
Q3 20250.98%
Q4 20251.00%
Q1 20261.44%
Q2 20261.43%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202658$223.1M15.56%6.81%1.43%98.1%
Q1 202662$219.3M15.47%3.05%1.44%95.3%
Q4 202557$212.9M15.56%3.95%1.00%101.1%
Q3 202557$211.0M15.43%3.75%0.98%99.6%
Q2 202558$214.2M15.03%4.72%1.10%95.4%
Q1 202562$215.5M14.68%2.73%1.17%91.0%
Q4 202455$208.4M14.88%3.82%0.82%101.0%
Q3 202454$203.3M14.95%3.72%0.73%100.7%
Q2 202459$199.3M15.09%2.71%0.78%99.4%

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).

Capital ratio15.56%
88th
Problem loans6.81%
0th
Net charge-offs0.00%
97th
Return on assets1.43%
87th
Loans to deposits98.1%
4th
Uninsured deposits8.9%
23rd
Loan-loss reserves0.00%
50th
Texas ratio35.2%
0th

Similar-size credit unions in North Dakota

InstitutionScoreAssetsCapitalProblem loansCompare
Railway Credit UnionCredit union Mandan, ND74 out of 100, Strong$211.6M12.1%0.50%vs
Aspire Community Federal Credit UnionCredit union Minot, ND87 out of 100, Very strong$181.6M15.6%0.41%vs
Community Credit UnionCredit union New Rockford, ND95 out of 100, Very strong$171.6M17.7%0.22%vs
United Savings Credit UnionCredit union Fargo, ND50 out of 100, Below average$125.2M12.7%2.88%vs
Dakota West Credit UnionCredit union Watford City, ND61 out of 100, Moderate$326.5M14.2%3.14%vs
Vue Community Credit UnionCredit union Bismarck, ND44 out of 100, Below average$106.3M8.6%2.99%vs

Deposit insurance

Is my money safe at Hometown Credit Union?

Yes. Hometown Credit Union is a federally insured credit union (NCUA charter #61648). 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 8.9% of shares and deposits ($16.1M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 15.56%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Hometown Credit Union lists 3 offices in 3 cities. Most locations:

  • Ashley, ND (1)
  • Hazelton, ND (1)
  • Lincoln, ND (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Hometown Credit Union reported 45 home-loan applications under HMDA (LEI 549300SI84V60XS2R422): 45 originated ($4,395,000 total), 0 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 0.0%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Hometown Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
61648
RSSD ID
2291
Primary regulator
State + NCUA
Established
1949
Headquarters
Po Box 310, Kulm, ND 58456
Employees
45

Quick answers

Hometown Credit Union: common questions

Is Hometown Credit Union NCUA insured?

Yes. Hometown Credit Union is a federally insured credit union (NCUA charter #61648). 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 Hometown Credit Union's TellerScore?

58 out of 100 (Moderate), 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 Hometown Credit Union have?

3 offices as of the latest NCUA data.