Kulm, North Dakota · Peer group 5
Hometown Credit Union
Hometown Credit Union holds $219.3M in assets across 3,372 members as of Q1 2026 — about $65K of assets per member, on a charter dating to 1949. Charter number 61648, in the $100M-$500M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $219.3M |
|---|---|
| Total loans | $170.6M |
| Total shares (deposits) | $179.1M |
| Net worth | $33.9M |
| Members | 3,372 |
| Assets per member | $65K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 1.8% | |
|---|---|---|
| Loans | 5.8% | around the 68th percentile of its peer group |
| Deposits | 1.1% | around the 30th percentile of its peer group |
| Members | 0.8% | around the 63rd percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 95.3% | higher than 96% of its peer group |
|---|---|---|
| Net worth ratio | 15.5% | around the 87th percentile of its peer group |
| Return on assets | 1.44% | around the 88th percentile of its peer group |
| Delinquency ratio | 3.05% | higher than 98% of its peer group |
| Cash / assets | 9.3% | around the 42nd percentile of its peer group |
| Borrowings / assets | 2.3% | around the 88th percentile of its peer group |
What this page does not show
Everything above is Hometown Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within North Dakota — the comparison set a peer ratio is measured against.
- Railway Credit Union
MANDAN, ND
$207.3M · 8,588 members
- Aspire Community Credit Union
MINOT, ND
$180.9M · 6,301 members
- Community Credit Union
NEW ROCKFORD, ND
$178.3M · 4,075 members
- United Savings Credit Union
FARGO, ND
$125.3M · 7,161 members
- Vue Community Credit Union
BISMARCK, ND
$105.3M · 3,693 members
- Dakota West Credit Union
WATFORD CITY, ND
$339.2M · 7,200 members
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