Hometown CU (ND)

Hometown CU (ND) is headquartered in KULM and is the 11^st largest credit union in the state of North Dakota. It is also the 1,881^st largest credit union in the nation. It was established in 1949 and as of December of 2011, it had grown to 12 employees and 2,884 members. Hometown CU (ND)'s savings rates are 6X the national average, and it boasts a 5-star health rating.

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Data for Q4 2011

Institution Statistics HOMETOWN NCUA # 61648 BankRate Report View Year Chartered 1949 Employees 12 Primary Regulator Assets and Liabilities Assets $66.51 million Loans $54.75 million Deposits $59.94 million Equity Capital $6.32 million Loan Loss Allowance $854,000 Unbacked Noncurrent Loans $617,000 Historic Data - December 2010 Assets $57.32 million Equity Capital $5.38 million Loan Loss Allowance $871,000 Unbacked Noncurrent Loans $765,000 Real Estate Owned $35,000 Profit Margin - Quarterly Net Interest Margin 4.8% Return on Assets 1.41% Return on Equity 14.85% Interest Income $3.01 million Non-Interest Income $154,000

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Hometown CU (ND) had $617,000 in non-current loans and owned real-estate with $7.18 million in equity and loan loss allowances on hand to cover it. This gives Hometown CU (ND) a Texas Ratio of 8.60% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Hometown CU (ND) decreased slightly from 12.79% as of December 31, 2010 to 8.60% as of December 31, 2011, resulting in a positive change of 32.79%.This indicates that the balance sheet and financial strength for Hometown CU (ND) has improved slightly in recent periods. Deposit Growth In the past year, Hometown CU (ND) has increased its total deposits by $8.26 million, resulting in 15.98% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Hometown CU (ND) has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Hometown CU (ND) has $66.51 million in assets with $7.18 million in equity, resulting in a capitalization level of 10.79%, which is above average.

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