# HOMETOWN
Shenandoah, IA · NCUA charter 65445 · asset band <$50M · latest filing 2021-12 · stopped filing after 2021-12 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/hometown-65445

Who the members are: state charter, organized 1978. 828 members of 2,900 potential (28.6% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 43.

**Verdict on the desk:** this could be *stressed*. Composite score 5 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $2.9M |
| Members | 828 (-1.6% YoY) |
| Full-time staff | 2 |
| Net worth | $564,110 |
| Net worth ratio | 19.3% (p83 of band) |
| ROA (annualized) | 0.30% (p56 of band) |
| Total delinquency | 5.31% (p94 of band) |
| Net charge-offs (annualized) | -0.04% (p15 of band) |
| Loans / shares | 112% (p99 of band) |
| Cash / assets | 10.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 5.16% (p98 of band) |
| Operating expense / assets | 4.91% (p90 of band) |
| Vehicles % of loans | 88% (p95 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p46 of band) |
| Vehicle delinquency | 4.98% (p95 of band) |
| Vehicle NCO | 0.02% (p57 of band) |
| Repossessed % of vehicle book | 0.00% (p47 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 9% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 21% |
| Certificates % of member funds | 60% |
| Average share balance | $2,597 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 43% |
| Loans granted per 100 members, annualized | 28% |
| Average loan balance | $7,400 |
| Loans granted, annualized | $1.3M |

## Flags firing in the latest filing

- **expense trap** (`earn_opex`)
- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)
- **loans>95% of shares** (`str_ltos`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | delinquency 2x band, loans>95% of shares, auto monoline |  |
| 2016-06 | 2 |  | loans>95% of shares |
| 2016-09 | 2 |  |  |
| 2016-12 | 3 | loans>95% of shares |  |
| 2017-03 | 6 | margin squeeze, delinquency rising, assets shrinking, loan book shrinking | loans>95% of shares |
| 2017-06 | 4 |  | assets shrinking, loan book shrinking |
| 2017-09 | 5 | net worth falling |  |
| 2017-12 | 4 | assets shrinking, loans>95% of shares | margin squeeze, delinquency rising, net worth falling |
| 2018-03 | 4 |  |  |
| 2018-06 | 4 |  |  |
| 2018-09 | 4 |  |  |
| 2018-12 | 3 |  | assets shrinking |
| 2019-03 | 4 | assets shrinking |  |
| 2019-06 | 6 | losing money, expense trap |  |
| 2019-09 | 8 | net worth falling, charge-offs p90 |  |
| 2019-12 | 7 |  | expense trap |
| 2020-03 | 8 | expense trap, margin squeeze | assets shrinking |
| 2020-06 | 7 |  | charge-offs p90 |
| 2020-09 | 7 |  |  |
| 2020-12 | 5 |  | delinquency 2x band, expense trap |
| 2021-03 | 4 |  | margin squeeze |
| 2021-06 | 3 | delinquency 2x band | losing money, net worth falling |
| 2021-09 | 5 | losing money, expense trap |  |
| 2021-12 | 5 | delinquency rising | losing money |

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

- 2026-09-02 [GAME PREVIEW: Eagles host Panthers for Hometown Heroes game - Eastern Washington University Athletics](https://news.google.com/rss/articles/CBMinAFBVV95cUxNMmtGUm5fWTVnMUxNVU1EVy02WnFFZE11TE13bXhqNk0xa21HejV6R2VFeGNRT04xdDBlTFgtTVZDQ1RPdWlKcm1weUhLQTF0ekhMYUhEV19BQmJPXzFQY0R0dl9qRjIzQ0dMR25nQjBHYnFGTlltY1d3R0U1a243eEFiWnFWTVdHQ2N1Q3ZuU0RzV2VZaGFZMmQxTy0?oc=5) · Eastern Washington University Athletics
- 2026-09-02 [U. S. Paper Mill Company and Homeland Credit Union Celebrate Success of Financial Wellness Partnership - Litter Media](https://news.google.com/rss/articles/CBMiwgFBVV95cUxQN19jRnNIb0J0MnVqa0xVQk9KQ212SFJiWHJYMDRKYndZR1phM3I3ZnA2MzAxZWdOUHVXYlRrN3g5cVA2Z290Rk5PdGZMZTItNmlIeGVVR3l1bDNVY3pTenpCSWNUXzFuSTFld3hMNU5Mb2l0bnUyTThORDRhXzVXLWRqVHcydFZocVhneUc1VkJ4VUl0aUFoVC1QZlJ0YWxPU2psLWd2Ym9reE11RWxKSXFpVnlOcWx5VnVfLTFyem1Wdw?oc=5) · Litter Media
- 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
- 2026-03-17 [AMERKS CELEBRATING ANNUAL HOMETOWN HEROES NIGHT MARCH 27 AGAINST TORONTO - Rochester Americans](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNcmUwOXIwdmdmLUZIR3paaGVvZEI4QmhsaEZjakVPWENhRzNJeVprWVlGZ1JLRk9mdHdyZEx5RlFQc0RqMTBwcHZJcHNUZWV1bGFFLVU2dU9sWUVvNkM1b1dWWjNNc0twN1VPemRJcmlKbUNWMjBrUWF2R042TGVpZ001RnpzOHhEVlpwWC1WSkUtSDB6bVpSdHpvNmVDY1l2UjdZaDhpT3F3TlU?oc=5) · Rochester Americans
- 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
- 2026-03-09 [POPULAR THEME NIGHTS RETURN IN MARCH - Rochester Americans](https://news.google.com/rss/articles/CBMifkFVX3lxTE9RY0JwMDJUWnpoQjVSLVF4MzZKSzVFdlJYRE1Mdk5FY3d3dS1wRURnY2VOdm9ReWtCSkJIZDM5R0ZqNkpIUEhqSVQ0U1ZadVpWaF9TUmczMXRNekxIREZRQlVlVGlVUThDSE5tSXF4UGowVEhhSGxHSnZCLVJrdw?oc=5) · Rochester Americans
- 2025-04-09 [America's Best Regional Banks and Credit Unions 2025 - Minnesota - Newsweek Rankings](https://news.google.com/rss/articles/CBMikAFBVV95cUxOUzh0Z3pCcmdqcXR3Vi0xQ0IzV0VKUGE3ZHpzRWVTcGpKSjFNMk5BZ2c0SnRCa1ZYRVlzd0dfX3ZlWVpDaDVhNXdGSXpERG0tZzN6VzRTRkp1ek50ZFJCei1sWHhSNXoxSlg0di1CMkpLUzliel9KS1dLWXMwOVdnaXpFcHJMUm9ydmxuMFpISDg?oc=5) · Newsweek Rankings
- 2025-10-16 [Chamber of Manitowoc County reveals 2025's Future 15 top young professionals - Herald Times Reporter](https://news.google.com/rss/articles/CBMiygFBVV95cUxPQVVqejdQYmxPcjVxNnp3TUp3YUxRLUF6ODZ2R3h0OWFRQ1VnUGhKVUZaZmlDZEFEaGdxSkdYNWlja2dPTW5CTDhHVFJtMGV6S0YtV0s3dm9GZmFvN2R3N2tTeFNkUmJjVzg5TDZBRm01NUd2aUxEVVA5RjY5LS1KV3RUWFNTSG03SHZUMl9jbHN1TWlHd3V2cExlTkY4WnJrLTcyQkhlb1FLUUxtakt1WTg4eUt1M05HZXNPSTYwclF5bTZWTDBfR193?oc=5) · Herald Times Reporter

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=65445 (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 "65445", 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=65445
- 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