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Overview / Commentary
KULM, ND 58456

Hometown CU (ND) is headquartered in KULM and is the 12st largest credit union in the state of North Dakota. It is also the 1,663rd largest credit union in the nation. It was established in 1949 and as of March of 2014, it had grown to 14 employees and 2,969 members. Hometown CU (ND)'s savings rates are 5X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Must live within a 75 mile radius of the Kulm, ND office or within a 50 mile radius of Hazelton, ND office. - See Details

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Data for Q1 2014

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Hometown CU (ND) has a relatively low asset base.

Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Hometown CU (ND) had $944,000 in non-current loans and owned real-estate with $10.64 million in equity and loan loss allowances on hand to cover it. This gives Hometown CU (ND) a Texas Ratio of 8.87% which is excellent. 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) experienced no significant changes from 3.96% as of March 31, 2013 to 8.87% as of March 31, 2014, resulting in a negative change of 124.30%. This indicates that the balance sheet and financial strength for Hometown CU (ND) has had no significant changes in recent periods.

Deposit Growth


In the past year, Hometown CU (ND) has increased its total deposits by $5.92 million, resulting in 8.29% 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.



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 $87.19 million in assets with $10.64 million in equity, resulting in a capitalization level of 12.20%, which is excellent.

Institution Statistics

NCUA #61648
Year Chartered1949
Primary Regulator
Assets and Liabilities
Assets$87.19 million
Loans$68.92 million
Deposits$77.39 million
Equity Capital$9.63 million
Loan Loss Allowance$1.01 million
Unbacked Noncurrent Loans$944,000
Real Estate Owned$0
Historic Data - March 2013
Assets$79.79 million
Equity Capital$8.12 million
Loan Loss Allowance$880,000
Unbacked Noncurrent Loans$944,000
Real Estate Owned$0
Profit Margin - Quarterly
Return on Assets1.79%
Return on Equity16.19%
Interest Income$849,000
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Hometown CU (ND) Savings Account Rates

2.53%--IRA Share Savings Account
0.50%--Share Savings Account

Hometown CU (ND) Checking Account Rates

0.25%$200-Share Draft Account

Hometown CU (ND) CD Rates

1.61%$1k-60 Month CD
1.10%$1k-36 Month CD
0.90%$1k-24 Month CD
0.60%$1k-12 Month CD
0.40%$1k-6 Month CD
0.15%$1k-3 Month CD

Hometown CU (ND) IRA Rates

1.61%$1k-60 Month IRA
1.10%$1k-36 Month IRA
0.90%$1k-24 Month IRA
0.60%$1k-12 Month IRA
0.40%$1k-6 Month IRA
0.15%$1k-3 Month IRA

Hometown CU (ND) Locations
Branch Office106 E Main StAshley, ND 58413
Branch Office341 MAINHAZELTON, ND 58544
Branch Office18 MAIN AVE SKULM, ND 58456