# HOMETOWN
KULM, ND · NCUA charter 61648 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/hometown-61648

Who the members are: state charter, organized 1949, low-income designated. 3,372 members of 240,479 potential (1.4% of the field); checking penetration 58% (share draft accounts per 100 members); loans per 100 members 59.

**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 | $219.3M |
| Members | 3,372 (0.8% YoY) |
| Full-time staff | 36 |
| Net worth | $33.9M |
| Net worth ratio | 15.5% (p91 of band) |
| ROA (annualized) | 1.44% (p89 of band) |
| Total delinquency | 3.05% (p99 of band) |
| Net charge-offs (annualized) | 0.00% (p4 of band) |
| Loans / shares | 95% (p95 of band) |
| Cash / assets | 9.3% |
| Borrowings / assets | 2.28% |
| Net interest margin | 3.34% (p35 of band) |
| Operating expense / assets | 2.21% (p6 of band) |
| Vehicles % of loans | 3% (p1 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p9 of band) |
| Vehicle delinquency | 0.00% (p2 of band) |
| Vehicle NCO | 0.00% (p4 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 13% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 0% |
| Commercial % of net worth | 409% |
| Core shares % of member funds | 37% |
| Certificates % of member funds | 54% |
| Average share balance | $18,514 |
| Participations bought / yr | $3.7M |
| Participations sold / yr | $0 |
| Participations outstanding | $1.3M |
| Loans outstanding per 100 members | 59% |
| Loans granted per 100 members, annualized | 28% |
| Average loan balance | $85,319 |
| Loans granted, annualized | $184.5M |

## Participation posture (from the same filings)

Bought $3.7M and sold $0 in the latest annualized quarter; $1.3M outstanding purchased (3.8% of net worth), $4.9M sold and retained. Sold in 6 and bought in 5 of the last 8 quarters. Shares 1.1% year over year.

## 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 | loans>95% of shares |  |
| 2016-06 | 3 | delinquency 2x band, leaning on borrowings |  |
| 2016-09 | 4 | net worth falling |  |
| 2016-12 | 1 |  | delinquency 2x band, leaning on borrowings, net worth falling |
| 2017-03 | 1 |  |  |
| 2017-06 | 2 | delinquency 2x band |  |
| 2017-09 | 3 | net worth falling |  |
| 2017-12 | 1 |  | delinquency 2x band, net worth falling |
| 2018-03 | 3 | delinquency 2x band, delinquency rising |  |
| 2018-06 | 2 |  | delinquency rising |
| 2018-09 | 4 | net worth falling, leaning on borrowings |  |
| 2018-12 | 4 | delinquency rising | leaning on borrowings |
| 2019-03 | 3 |  | net worth falling |
| 2019-06 | 2 |  | delinquency rising |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 3 | net worth falling |  |
| 2020-09 | 4 | margin squeeze |  |
| 2020-12 | 3 |  | net worth falling |
| 2021-03 | 1 |  | loans>95% of shares, margin squeeze |
| 2021-06 | 2 | loans>95% of shares |  |
| 2021-09 | 3 | delinquency rising |  |
| 2021-12 | 1 |  | loans>95% of shares, delinquency rising |
| 2022-03 | 2 | net worth falling |  |
| 2022-06 | 3 | members leaving |  |
| 2022-09 | 2 |  | net worth falling |
| 2022-12 | 2 | loans>95% of shares | delinquency 2x band |
| 2023-03 | 2 |  |  |
| 2023-06 | 4 | delinquency 2x band, delinquency rising, leaning on borrowings | members leaving |
| 2023-09 | 5 | net worth falling |  |
| 2023-12 | 3 |  | leaning on borrowings, net worth falling |
| 2024-03 | 2 | margin squeeze | loans>95% of shares, delinquency 2x band |
| 2024-06 | 2 | delinquency 2x band, loans>95% of shares | delinquency rising, margin squeeze |
| 2024-09 | 2 |  |  |
| 2024-12 | 4 | net worth falling, delinquency rising |  |
| 2025-03 | 3 |  | loans>95% of shares |
| 2025-06 | 3 | loans>95% of shares | net worth falling |
| 2025-09 | 2 |  | delinquency rising |
| 2025-12 | 2 |  |  |
| 2026-03 | 2 |  |  |

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

- 2026-05-11 [FHS students balance wants, needs and monthly bills in financial simulation - southernminn.com](https://news.google.com/rss/articles/CBMiiwJBVV95cUxNRWhQdUpBZkE1amtMVFV0T1pBU3dpdzZTNWhVQ2JXbWd4dkxiRVRvSFZEUW0xOGxObUJjN0VyRHREYlIwaFZCNG04Rlg2Yng0aFNvSk1YNFhkNlkwQ0VuNWVCTlVjeWJrTWJNTmU5TnVBaURPVGgycEtXY1NEY2RZRTY0d0JCOHVscEprSVBETUtCVlNqZWNIOVNfRTRDYU9ia3loOC1kd2xLelVRZVE1U1FkRnVsMkRwNDAxZEY2X19KRlNCSmdxbnIzQnZIUTVyZGlTU3FwcGJic3JKekpHMVdwTHVLeS1CQlBzTXAxYmx1Qm10SFZ5UWpyOUREYks1eWx2X3dmZGFibk0?oc=5) · southernminn.com
- 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
- 2026-07-28 [Appli Doubles Credit Union Footprint and Hits $2 Billion in AI-Powered Member Calculations - FF News](https://news.google.com/rss/articles/CBMiswFBVV95cUxNSkV2YVNBdWwzbkRsR0piaU5fMV9JZXQ1bUJUYzlGYUVJaVdUY011MUlGQzlxNDRtVlNrUkVHQTVxN1JheURqaEVGdzh6aFo1S245NXVMdHItSFNBeXBUNWVPY1FBQVBwX3psVndZbXZvdlVhUG9lVlM4Y1k5aWpaeE9jd0hGTHhmRUFRZmg2X1d5TGd2bW5Lc2RHZVFaOHJTSmNSMk8weHJWc1FPbkx3Tm9pVQ?oc=5) · FF News
- 2026-06-24 [Appli Signs 20th Credit Union Partner, Surpasses $2 Billion in Member Calculations - EIN Presswire](https://news.google.com/rss/articles/CBMixgFBVV95cUxPUjA0Ty1LMjQxQm5XOEY4bTdJenRpc3pPalJCbXhYMHNvLWFfbU9sNVFfcGtqMTlrd0M4UExDMVB6cjFvUUw5MGZ3T1JTWEszSFVoc0g5VklmUGNzRFRqWFJnLTU3d25oQ2E3VzZCQ29RaVg2WVhvbzZhUFFfVVpNX1lkWmlIMW5nV3BKRjBLTEJIdzhzSlBTRElySXFOblZYSUJtdE1yWThGR0ZfRnV3RUo3N0lQVHFtMnRwVlktM2ozc3FzZVE?oc=5) · EIN Presswire
- 2026-03-03 [Janet Dalke Obituary (2026) - Ashley, ND - Carlsen-Lien Funeral Chapel - Ashley - legacy.com](https://news.google.com/rss/articles/CBMif0FVX3lxTE54WWU5NU9sT2ZPWTdKdnhsZFRTYWVOODBveXRveWQ3VFZRRWx0LTJVV3ZtZm5PSzJGdUI4Z3R1b09fbHR0M3B4NjN0ak9ISmtucVlXZWN6NzFnZGgzLURDU3diOFQzX29kaGY5NUxlR0QtUkI1aFRnR1gtLS1rcjA?oc=5) · legacy.com
- 2024-11-27 [Strike ends against local credit union in Mayfield - WPSD Local 6](https://news.google.com/rss/articles/CBMizAFBVV95cUxNYW02LVpDYzNSQnpTZ3NObG13VGx3T1NmZHU0RGRQQ214UlRYcUVBZW9zYkxjS1JKM3BDdGwzU2xyN0JnVW0wM3FZbmRmdzgzajA3czRyNVFpa3RMNmZRMW9Zb0JLRi1EZ1B5VnFOU2tmRjlVV2t4VUhDUTg3Q2JTQUtPLXF1ZnNwaERFZHQ5RFh1c3JsU21nOXh1QUhrbEYxazh5SmNtdk13QVlQeVJIcHp0eER4bFBCM2R1V25YT2I1bHFyMk13amozTFA?oc=5) · WPSD Local 6
- 2020-10-19 [HomeTown Credit Union Demonstrates Its Support for Southeastern Minnesota through Financial Literacy and Community Partnerships - CardRates.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxNVzhIMmlya1ZGZUdrUWY0cHNNcDJET1Q3elB0R0xCdVE0aS1NNUJCTEdVVmduZnNlNmdJSllsejBZNFlORHZtR2tBbmRndGZRSkhVNFM5dWdyVmpjRWR6dXRiZWFKeUtCZnhfeG9fZ2V4WkMtY1lHT242dkpKNmlCWkZUZw?oc=5) · CardRates.com
- 2022-05-18 [Credit unions receive DakCU state level national awards - Jamestown Sun](https://news.google.com/rss/articles/CBMimAFBVV95cUxQUzhsdTVIR3U3QTVNWUhpX0ZrbFJWdXpGTXR0eUt2TERMY3ZFTEhpalNKM19KTHdYdUVnUjhOT1F0elBHb3oyNFNIT2otazZTM0hKdHlmVVJWRFB3RXNNWWg4bGF0Z2dhV0NsWEd2cmxWd29laUltXzBMM0lVUzhlWmlseFJPWDRjZ2NxWWxzRGpLazNQNURhRA?oc=5) · Jamestown Sun

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=61648 (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/16.json (key "61648", 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=61648
- 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