# HOMETOWN
Peru, IN · NCUA charter 1621 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/hometown-1621

Who the members are: federal charter, community charter, organized 1936, low-income designated. 3,982 members of 50,000 potential (8.0% of the field); checking penetration 54% (share draft accounts per 100 members); loans per 100 members 58.

**Verdict on the desk:** this could be *liquidity-tight*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $37.5M |
| Members | 3,982 (-0.3% YoY) |
| Full-time staff | 11 |
| Net worth | $12.0M |
| Net worth ratio | 32.1% (p94 of band) |
| ROA (annualized) | 3.49% (p98 of band) |
| Total delinquency | 1.99% (p78 of band) |
| Net charge-offs (annualized) | 0.20% (p64 of band) |
| Loans / shares | 101% (p96 of band) |
| Cash / assets | 30.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 6.25% (p96 of band) |
| Operating expense / assets | 4.01% (p60 of band) |
| Vehicles % of loans | 56% (p42 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 2.98% (p87 of band) |
| Vehicle NCO | 0.32% (p77 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 35% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 94% |
| Certificates % of member funds | 0% |
| Average share balance | $3,823 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 58% |
| Loans granted per 100 members, annualized | 17% |
| Average loan balance | $10,989 |
| Loans granted, annualized | $11.2M |

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)
- **loans>95% of shares** (`str_ltos`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | auto monoline |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 3 | delinquency 2x band, delinquency rising |  |
| 2017-06 | 3 |  |  |
| 2017-09 | 4 | loans>95% of shares |  |
| 2017-12 | 2 |  | delinquency 2x band, delinquency rising |
| 2018-03 | 1 |  | loans>95% of shares |
| 2018-06 | 3 | delinquency 2x band, loans>95% of shares |  |
| 2018-09 | 3 |  |  |
| 2018-12 | 3 | delinquency rising | auto monoline |
| 2019-03 | 3 |  |  |
| 2019-06 | 3 |  |  |
| 2019-09 | 3 |  |  |
| 2019-12 | 3 |  |  |
| 2020-03 | 3 | margin squeeze | delinquency rising |
| 2020-06 | 3 | net worth falling | loans>95% of shares |
| 2020-09 | 2 |  | net worth falling |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 1 | net worth falling | delinquency 2x band, margin squeeze |
| 2021-09 | 2 | margin squeeze, delinquency 2x band | net worth falling |
| 2021-12 | 1 |  | margin squeeze |
| 2022-03 | 1 |  |  |
| 2022-06 | 2 | delinquency rising |  |
| 2022-09 | 1 |  | delinquency rising |
| 2022-12 | 2 | leaning on borrowings |  |
| 2023-03 | 3 | delinquency rising, assets shrinking | leaning on borrowings |
| 2023-06 | 3 |  |  |
| 2023-09 | 3 | loans>95% of shares | delinquency rising |
| 2023-12 | 3 |  |  |
| 2024-03 | 1 |  | assets shrinking, loans>95% of shares |
| 2024-06 | 0 |  | delinquency 2x band |
| 2024-09 | 1 | loans>95% of shares |  |
| 2024-12 | 2 | members leaving |  |
| 2025-03 | 2 | delinquency 2x band | members leaving |
| 2025-06 | 1 |  | delinquency 2x band |
| 2025-09 | 2 | assets shrinking |  |
| 2025-12 | 3 | delinquency 2x band, delinquency rising | assets shrinking |
| 2026-03 | 2 |  | delinquency rising |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-07-14 [Shoreline Hometown Credit Union Launches Mahalo Banking’s Thoughtful Banking® Platform - Business Wire](https://news.google.com/rss/articles/CBMi2AFBVV95cUxOTHJVSTNIalhONjhBandXaFNuRER6czZFQjlydWRUeU9Ic0pzMEZQRk9aR3FYRG1rWkpPQjZCT2ZMVHYzTFpWd0M2VGp5RzFKZk12WG5QUkdXRTJPVHNWNzIydG5xZEwxcjdOZmowTGVrUU5xcVpMNEN6cUt3eTVERlFjV2djeGRvTmVwamN2NTc2Q0p5TEg2VWdUa0V4RExRalI0eWp3NEYwMlhrU21PNllsVFE5eXZhdWtDZEVRendvTkR2bmVGb2Q1TW5JZFRSNngwZjdSZ3k?oc=5) · Business Wire
- 2026-07-15 [Shoreline Hometown Credit Union Modernizes Digital Banking with Mahalo Banking Platform - FF News](https://news.google.com/rss/articles/CBMisAFBVV95cUxNVktQeTR0ZkhmSWluUE01aGRZWkU4VU5icjk5aE1KVm9BT0Fsa1plTUFfYm1sRzNHRDA3TnVwbTk4aWw0cGtNLVlUMnpuc0F2NFNWRUptbWhYSlZPTUwwSWxyOUJnUWx3TkhweS1zTXZSeFdOWGVtOWZOS1o5WnQ3Tl9WTi1fZDItbkJNUnVKYzVZS0h4Z2NMY2lraFZ1MEJ3Nm9ScllGSjk0YnBBUXl2QQ?oc=5) · FF News
- 2026-08-18 [America 250 Hometown Proud: Superior Credit Union - hometownstations.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxNcVFyMEtNRnpPUzVWMzZ2V1pKYjJZVUQ4SUk2bC1pRmxrQThGRXhDQ21tbURadHhvZ0RVUmkydDI4bTh1RF9oZ2k1Q2g0OGNBZG0xWjQ1OTJBWkVQRXIzWXdwQ2tLckVUZXVVT0pLaWZhMllITU5iSTVXeTdnckVzcm44ZGltYVdZUTRnNFIzTUUzNTgzSzJvRA?oc=5) · hometownstations.com
- 2026-07-21 [GHS Federal Credit Union to host Hometown Heroes Golf Classic - WIVT - News 34](https://news.google.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?oc=5) · WIVT - News 34
- 2026-05-29 [Sebasticook Valley Federal Credit Union donates $8,000 to new health center - Bangor Daily News](https://news.google.com/rss/articles/CBMixgFBVV95cUxPWkJXSERjUXpKSUV2aUI4UDBDczN0NWt1d0tfalNNaWFqYW13QUtZX1hoUTFnUm5RYXF2M0hxeFNYajN1MDBPU2RvRk9FeHcxMVEtUHVOSmhaTmxfM0NMRGFmQVIyekpOaV9uZWhiMm5jQWZNWVZwYXludGxiRi1sY293V3pOY29NUUFORVllUTJ3cXl1bEpEZjlKRW9tQU1hd3g4RFRPeE1KNWZINEpiNlpwN05Ja1piLXd6Wk9KUWdTY2VUWWc?oc=5) · Bangor Daily News
- 2026-07-04 [Dale Robert Loken Obituary Jul 4, 2026 - Czaplewski Family Funeral Homes & Crematory](https://news.google.com/rss/articles/CBMibEFVX3lxTE9uS1BFLWFDQVVQUlk0Qm93alcxeVRGaUI1NXVPd2wtaFc3bHVKM2pMd0lRLTVneE94ejU2Vk14TkhDM1A5Z056bHdyRVVBbmMyQWNKMXVhV2NaelZMZzgwWklqdFdGc2xEU3NNQQ?oc=5) · Czaplewski Family Funeral Homes &amp; Crematory
- 2026-02-19 [Trash Pandas welcome back the Hometown Throwdown Series in 2026 - WAFF](https://news.google.com/rss/articles/CBMikwFBVV95cUxQTnZkazFtZ2RGZTA3N1lGNGlYcDNncmU5cl9pTjdlY3JJZG9vcE15ZjJadjVfNHlzVkxlQUNxWnBwUUllX2l4bW1oblRsUU5EQXdUdTFudW43Ni1CTDE0SGFHd0c5cjMyN1dlalh1LWFuTFpBQmZkay1nMGZwUEwtcnlMWXNjY1VHdkdWeTBXQzd1RDA?oc=5) · WAFF
- 2025-10-15 [Ice Bears enter new partnership with UT Federal Credit Union - Knoxville Ice Bears](https://news.google.com/rss/articles/CBMilgFBVV95cUxORlRqY1p2bDRraEtJanlPQUNRVWk1NWlLb2pLd3FScFBVRFllV3FOQkpGNGhrSG5xVWswU0dwZzQ2WS1zTnBNa0FsTEJfRnhzTURCNG9GZHpnY0k1VzV3SVZrRVZJRjlTRHhtdzN5dzUtN2c4Z2JDZ19NSDAyMkdfRE5PRE0xRzFlRlJBMG55OGtZM0tyVGc?oc=5) · Knoxville Ice Bears

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=1621 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/21.json (key "1621", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=1621
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide