YOUR HOMETOWN Credit Union Profile

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YOUR HOMETOWN

Charter #16702 | NCUA Region 2 | FCU
Low-Income Designation: Yes
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (270) 247-6458

Fax: (270) 247-8316

Founding Date: N/A

Website: http://www.yourhometownfcu.org

Personnel & Operations

President: Wooley, Denise

Manager: Ladd, Steve

FT Employees: 4

PT Employees: 2

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 00

Branches: 1

Hours: Monday thru Thursday 8:00am to 4:00pm Frida

Credit Union Profile Summary

YOUR HOMETOWN is a FCU Credit Union. With a total of 2,509 members [1], this institution manages approximately $27,839,729 in total assets [1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 9.14% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at -13.28% [1].

Financial Snapshot

Total Assets [1]
$27,839,729

Total economic resources.

Total Loans [1]
$11,680,514

Total value of outstanding loans.

Total Deposits [1]
$25,109,447

Total funds deposited by members.

Members [1]
2,509

Number of active members.

Performance Ratios

Net Worth Ratio [1]
9.14%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
-0.53%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
46.52%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
↑ 0.58%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
↓ -13.28%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
↓ -20.45%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

2338 State Route 45 N

Mayfield, KY, 42066
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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

Rate This Credit Union

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Branch Locations

Found 1 branches reported by YOUR HOMETOWN (Charter #16702).

Main Office

Your Hometown Federal Credit Union Main Office

Type: Corporate Office

2338 State Route 45 N

Mayfield, KY 42066

Phone: (270) 247-6458

Services: Member Services, Drive-Thru

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