HOME TOWN
Federal • Owatonna, Minnesota • Est. 1974
Quick Facts
- Charter Number
- #21669
- Type
- Federal
- Established
- 1974
- Headquarters
- Owatonna, Minnesota 55060-5003
- Address
- 2400 W. Bridge St.
- Branches
- 4
- ATMs
- 4
- Members
- 25,751
- Membership Type
- Other/Unknown
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
25,751 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | HOME TOWN |
|---|---|
| Total Assets | $286.2M |
| Members | 25,751 |
| Loans Outstanding | $190.8M |
| Shares & Deposits | $256.4M |
| Net Worth | $29.0M |
| Net Worth Ratio | 10.29% |
| Loan-to-Share Ratio | 74.4% |
| Delinquency Rate | 0.62% |
| Net Income | +$5,210,392 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
4 locations · 4 ATMs
Bridge Street
Main Office2400 W Bridge St
Owatonna, MN 55060-5003
Faribault
1205 Highway 60 W
Faribault, MN 55021-4964
Northfield
2000 Honey Locust Drive
Northfield, MN 55057-4867
Owatonna South Branch
150 18th St SW
Owatonna, MN 55060
Who Can Join HOME TOWN?
Membership Type: Other/Unknown
Membership eligibility for HOME TOWN may vary. Contact the credit union directly to confirm qualification requirements.
Contact HOME TOWN directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View Minnesota RankingsFrequently Asked Questions
Yes. HOME TOWN is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, HOME TOWN has 25,751 members and a potential membership field of 997,729 people.
HOME TOWN's net worth ratio is 10.29% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 10.3%, HOME TOWN meets this threshold.
HOME TOWN operates 4 branch locations and has access to 4 ATMs. The main office is located at 2400 W Bridge St, Owatonna, MN 55060-5003.
HOME TOWN was established in 1974. It is a federal credit union chartered under charter number 21669. The institution has been serving members for 52 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or HOME TOWN. All financial data is for informational purposes only.