HOMETOWN Credit Union Profile

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HOMETOWN

Charter #61648 | NCUA Region 3 | FISCU
Low-Income Designation: Yes
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (701) 647-2448

Fax: (701) 647-2449

Founding Date: N/A

Website: http://www.hcuonline.com

Personnel & Operations

President: LAND, JOSHUA

Manager: HAGEN, HAROLD

FT Employees: 32

PT Employees: 12

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 99

Branches: 5

Hours: 8:00 AM - 5:00 PM

Credit Union Profile Summary

HOMETOWN is a FISCU Credit Union. With a total of 3,362 members [1], this institution manages approximately $214,194,226 in total assets [1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 15.03% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 2.20% [1].

Financial Snapshot

Total Assets [1]
$214,194,226

Total economic resources.

Total Loans [1]
$167,352,254

Total value of outstanding loans.

Total Deposits [1]
$175,502,663

Total funds deposited by members.

Members [1]
3,362

Number of active members.

Performance Ratios

Net Worth Ratio [1]
15.03%

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]
1.11%

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

Loan-to-Share Ratio [1]
95.36%

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

Four-Quarter Growth

Asset Growth (4Q) [1]
↑ 7.48%

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

Loan Growth (4Q) [1]
↑ 2.20%

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

Member Growth (4Q) [1]
↓ -0.47%

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

Headquarters Location & Map

Headquarters Address

18 MAIN AVE S

KULM, ND, 58456
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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 5 branches reported by HOMETOWN (Charter #61648).

Main Office

KULM Main Office

Type: Corporate Office

18 MAIN AVE S

Kulm, ND 58456

Phone: (701) 647-2448

Services: Member Services

Open in Directions

Additional Branches

Ashley

ASHLEY BRANCH

Type: Branch Office

106 E Main St

Ashley, ND 58413

Phone: (701) 288-3439

Services: Member Services

Open in Directions

Hazelton

HAZELTON BRANCH

Type: Branch Office

341 MAIN

Hazelton, ND 58544

Phone: (701) 782-6841

Services: Member Services

Open in Directions

Lincoln

LINCOLN BRANCH

Type: Branch Office

109 McDougall Dr Ste 5

Lincoln, ND 58504-8139

Phone: (701) 751-1613

Services: Member Services, ATM, Drive-Thru

Open in Directions

Medina

MEDINA BRANCH

Type: Branch Office

301 5th Ave SE

Medina, ND 58467

Phone: (701) 486-3232

Services: Member Services, ATM, Drive-Thru

Open in Directions