# HOME TOWN
Owatonna, MN · NCUA charter 21669 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/home-town-21669

Who the members are: federal charter, community charter, organized 1974. 25,572 members of 997,729 potential (2.6% of the field); checking penetration 63% (share draft accounts per 100 members); loans per 100 members 52.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $295.6M |
| Members | 25,572 (0.0% YoY) |
| Full-time staff | 57 |
| Net worth | $29.7M |
| Net worth ratio | 10.1% (p30 of band) |
| ROA (annualized) | 0.94% (p68 of band) |
| Total delinquency | 0.61% (p51 of band) |
| Net charge-offs (annualized) | 0.61% (p72 of band) |
| Loans / shares | 74% (p48 of band) |
| Cash / assets | 8.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.93% (p76 of band) |
| Operating expense / assets | 3.50% (p42 of band) |
| Vehicles % of loans | 55% (p85 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 70% |
| Third-party paper % of net worth | 251% (p88 of band) |
| Vehicle delinquency | 0.84% (p68 of band) |
| Vehicle NCO | 0.89% (p63 of band) |
| Repossessed % of vehicle book | 0.04% (p58 of band) |
| Real estate % of loans | 30% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 54% |
| Certificates % of member funds | 26% |
| Average share balance | $5,427 |
| Participations bought / yr | $30.4M |
| Participations sold / yr | $0 |
| Participations outstanding | $14.4M |
| Loans outstanding per 100 members | 52% |
| Loans granted per 100 members, annualized | 8% |
| Average loan balance | $14,583 |
| Loans granted, annualized | $59.6M |

## Participation posture (from the same filings)

Bought $30.4M and sold $0 in the latest annualized quarter; $14.4M outstanding purchased (48.6% of net worth), $364,327 sold and retained. Sold in 5 and bought in 8 of the last 8 quarters. Shares 3.3% year over year.

## Flags firing in the latest filing

- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | 3rd-party paper>100% NW |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | auto monoline |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 1 |  | auto monoline |
| 2017-12 | 2 | loans>95% of shares |  |
| 2018-03 | 3 | delinquency rising, auto monoline | loans>95% of shares |
| 2018-06 | 2 |  | auto monoline |
| 2018-09 | 4 | loans>95% of shares, auto monoline |  |
| 2018-12 | 4 | net worth falling | loans>95% of shares |
| 2019-03 | 3 |  | delinquency rising |
| 2019-06 | 2 |  | net worth falling |
| 2019-09 | 2 |  |  |
| 2019-12 | 3 | loans>95% of shares |  |
| 2020-03 | 4 | thin capital, losing money | loans>95% of shares |
| 2020-06 | 5 | net worth falling |  |
| 2020-09 | 3 |  | losing money, net worth falling |
| 2020-12 | 3 |  |  |
| 2021-03 | 3 |  |  |
| 2021-06 | 3 |  |  |
| 2021-09 | 3 |  |  |
| 2021-12 | 3 |  |  |
| 2022-03 | 4 | delinquency rising |  |
| 2022-06 | 5 | net worth falling |  |
| 2022-09 | 2 |  | thin capital, delinquency rising, net worth falling |
| 2022-12 | 3 | delinquency rising |  |
| 2023-03 | 2 |  | delinquency rising |
| 2023-06 | 3 | delinquency rising |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 2 |  | delinquency rising |
| 2024-03 | 4 | net worth falling, delinquency rising |  |
| 2024-06 | 6 | thin capital, losing money |  |
| 2024-09 | 3 |  | net worth falling, thin capital, losing money |
| 2024-12 | 3 |  |  |
| 2025-03 | 3 |  |  |
| 2025-06 | 3 | loan book shrinking | delinquency rising |
| 2025-09 | 2 |  | loan book shrinking |
| 2025-12 | 1 |  | auto monoline |
| 2026-03 | 1 |  |  |

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

- 2024-11-29 [Paulette Clark Obituary May 26, 2010 - Rivera Family Funerals & Cremations](https://news.google.com/rss/articles/CBMickFVX3lxTE9jRjZFNkllYThjOVBVbU00UlpDcjJLWkNmWW5hQXhFZWFvXzEwMGd3LUJpZVVQN2VRd2VGaHBYSEQ1SHhvdUVYalFRblFTcHdKMEZXWGpsWWlJSjcwd1p5UWZ5bVRtS0g3MnpwSUpmdjNXdw?oc=5) · Rivera Family Funerals & Cremations
- 2021-09-22 [Google Pay growth continues to explode, with dozens upon dozens of new banks signing on - Android Police](https://news.google.com/rss/articles/CBMijAFBVV95cUxQRjVBSkRYUnhSaHFFUTJvZGt2X0R0RnZtcWp6MUUtQjR3R3RXNmc1Umo4Q3NaV0VKVVpsYTRCSVkzb0dfdmhWS05ZWnpQYWh6d3gzc0VVVzBCYXM0MnBCbG9kekdMdnBfZk9selhhTkhDV2pCMGxUNXVlNG5wMmpodURVQWxjanVxT0VhYQ?oc=5) · Android Police
- 2012-12-14 [Owatonna students attend Camp Enterprise - southernminn.com](https://news.google.com/rss/articles/CBMi5wFBVV95cUxQSmlvYlZ6NXZjNTVsRjZkM04yYzBUQ25zVzhTTlVpMldvNThPTjBGWGQzN0dYdWNURm9hRVBPd0RpNC1WXzdtWjNsb0E3MHpiMHFHaWc1MjQwSlNzcEliYXdpTlpRbHV1UDFkcWlqV1pJb0plYVY0aV9Yb0FrejgxZ1VsZDcyS2dYMXduUExVV1JqQVBqdm9GQzduX2xZUUxpdlR0UUVXeThJQnpBWERlTFpMQjQzZ2dKNnZYbWpLLXZrUHRmQ0VneWF2SF9vb0VaSlZKOUdPMTFrTXlYd052UlRCYmVmVkU?oc=5) · southernminn.com
- 2004-12-08 [Donald Frie Obituary Dec 8, 2004 - Patton-Schad Funeral Home](https://news.google.com/rss/articles/CBMiX0FVX3lxTE1rYlRYcDdMaGVTUTJHMDRGNkpaamdfV2NjYUc1YjlmemlVX0hYc1paSGxfRWJRZ3R6MjluUENBSEtIbFhnWkdNdHh5eC1EdXVSb1Y1WG9CcThHRklST0tn?oc=5) · Patton-Schad Funeral Home
- 2015-10-15 [Juan Villarreal Jr. Obituary (2015) - Owatonna, MN - Brick-Meger Funeral Home - Legacy obituary](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQRU9IZlQ4S214UEs5eExXWDdHQ3o3QWhVQWRxTklUZDdudzFqY1FidnozTVlnRFNwV0hEWXhrOEpmTk9PTE5mSWJKTGJibndBOHZuYWNLYjVSWG01YTZWalp1WlVPc1A5aDRNRFlhamhRT195NnRuTzY5cG9YeXFoc0Z3WEpaRVlGVy1V?oc=5) · Legacy obituary
- 2012-11-19 [Catt Family: Police say father, son, daughter may be linked to 7 bank heists in Texas and Oregon - CBS News](https://news.google.com/rss/articles/CBMiwAFBVV95cUxNaVI4S0hKWVo2emd2ckh3UEZiT1lxTjBNa29CX3k5Mnk3UGwwbkNVNFNraXNkTC13Y09CYUtRa3M0VDBxWXdNemlBcGo5TElyTHVHd3JJcXg0Q1Z3OUZvQjVPUFZ3cmd2Y1JWWW9Rb05KV0FrVHRmT1JDdGE1S193YlRiNEdldmxsMWM3R2pCbElsVDAtcEprZmVwQVBDWjJuUXZhUWNVeXhHdUdEV09ETGRpS0FreGpIR3ZXbG45dmU?oc=5) · CBS News
- 2025-01-11 [Richard Hansen Obituary - Sun City, AZ - Dignity Memorial](https://news.google.com/rss/articles/CBMihAFBVV95cUxOaUFRanJ3OGZEcTE2NUNMNkMxVWY0MGlONjBnTmg0bmt6eFNhUl8waXZ0MjE5Q1VrQjhJQ1ozNFNtMHhWRTNCMDNTRlVKcnh2eTRGZGtOVl9WLU0zTmx4M0tXdnYtM1phSGFCX2c1bEtENWhTRncwVzJKZ1hDMGhvU2dzb18?oc=5) · Dignity Memorial
- 2013-01-10 [Silvas at right place, right time for St. Joseph McDonald’s - The Newsleaders](https://news.google.com/rss/articles/CBMilAFBVV95cUxPb3AwZ0VpTkNlSDJHOWI2TDIxcUxVSTZ0XzJhZTVaVjNHTGozcjhJZEJUeHpXb04tdG9PZDBOOHBQUGVWN0NicTFjVU53U1BIRXlSQ3VoV1R0T3lFOURxbVdRcUktLVpoZ215UkpDZDVHaXlobEZtdG9wanAxZGxkRVlKUDB1cDVkUEMxQl8zV3dVQkNK?oc=5) · The Newsleaders

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=21669 (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/37.json (key "21669", 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=21669
- 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