HOMETOWN
State-Chartered • KULM, North Dakota • Est. 1949
Quick Facts
- Charter Number
- #61648
- Type
- State-Chartered
- Established
- 1949
- Headquarters
- KULM, North Dakota 58456
- Address
- PO BOX 310
- Branches
- 5
- ATMs
- 5
- Members
- 3,350
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Below-average financial health. Net worth ratio may be approaching regulatory minimums. Members' deposits remain insured up to $250,000.
Financial Overview
Total Assets
Members
3,350 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | HOMETOWN |
|---|---|
| Total Assets | $212.9M |
| Members | 3,350 |
| Loans Outstanding | $174.8M |
| Shares & Deposits | $172.9M |
| Net Worth | $33.1M |
| Net Worth Ratio | 15.56% |
| Loan-to-Share Ratio | 101.1% |
| Delinquency Rate | 3.95% |
| Net Income | +$2,301,915 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
5 locations · 5 ATMs
KULM
Main Office18 MAIN AVE S
KULM, ND 58456
ASHLEY BRANCH
106 E Main St
Ashley, ND 58413
HAZELTON BRANCH
341 MAIN
HAZELTON, ND 58544
LINCOLN BRANCH
109 McDougall Dr Ste 5
Lincoln, ND 58504-8139
MEDINA BRANCH
301 5th Ave SE
Medina, ND 58467
Who Can Join HOMETOWN?
Membership Type: Community
Membership eligibility for HOMETOWN may vary. Contact the credit union directly to confirm qualification requirements.
Contact HOMETOWN directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View North Dakota RankingsFrequently Asked Questions
Yes. HOMETOWN 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, HOMETOWN has 3,350 members and a potential membership field of 240,479 people.
HOMETOWN's net worth ratio is 15.56% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 15.6%, HOMETOWN meets this threshold.
HOMETOWN operates 5 branch locations and has access to 5 ATMs. The main office is located at 18 MAIN AVE S, KULM, ND 58456.
HOMETOWN was established in 1949. It is a state-chartered credit union chartered under charter number 61648. The institution has been serving members for 77 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or HOMETOWN. All financial data is for informational purposes only.