HOMETOWN
State-Chartered • Kulm, North Dakota • Est. 1949
Quick Facts
- Charter Number
- #61648
- Type
- State-Chartered
- Established
- 1949
- Headquarters
- Kulm, North Dakota 58456
- Address
- 18 MAIN AVE S
- Branches
- 5
- ATMs
- 5
- Members
- 3,372
- Membership Type
- Community
CUScore Financial Grade
Based on Q1 2026 NCUA Call Report data
Under CUScore's rules, this institution reports a net worth ratio of at least 5% and a delinquency rate below 4%. This simplified grade is informational, is not an official NCUA rating, and does not determine regulatory or deposit-insurance status.
Financial Overview
Total Assets
Members
3,372 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | HOMETOWN |
|---|---|
| Total Assets | $219.3M |
| Members | 3,372 |
| Loans Outstanding | $170.6M |
| Shares & Deposits | $179.1M |
| Net Worth | $33.9M |
| Net Worth Ratio | 15.47% |
| Loan-to-Share Ratio | 95.3% |
| Delinquency Rate | 3.05% |
| Net Income | +$787,104 |
Source: Q1 2026 NCUA Call Report • Reporting date: 3/31/2026
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.
Find More Credit Unions in North Dakota
Review the Q1 2026 statewide dataset, aggregate ratios, and institutions ranked by reported assets.
View North Dakota RankingsFrequently Asked Questions
HOMETOWN is listed as federally insured in the Q1 2026 NCUA dataset. NCUA share insurance generally covers qualifying accounts up to the standard maximum amount, with coverage depending on account ownership categories. Verify current status and coverage for your accounts with the NCUA or the institution.
As of the Q1 2026 NCUA Call Report, HOMETOWN has 3,372 members and a potential membership field of 240,479 people.
HOMETOWN's reported net worth ratio is 15.47% as of Q1 2026. The NCUA's standard net worth ratio threshold for "well capitalized" is 7%, although official status can involve additional rules.
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 (Q1 2026). CUScore is an independent directory and is not affiliated with the NCUA or HOMETOWN. All financial data is for informational purposes only.