Hometown Federal Credit Union

Overview / Commentary
151 N Broadway
Peru, IN 46970

Hometown Federal Credit Union is headquartered in PERU and is the 84th largest credit union in the state of Indiana. It is also the 2,808th largest credit union in the nation. It was established in 1936 and as of December of 2023, it had grown to 10 employees and 4,412 members at 1 location. Hometown Federal Credit Union has a B health rating.

Field of Membership Restrictions

Hometown Federal Credit Union membership is open to those who live, work, attend school or worship in Miami County, Indiana.
See current membership details


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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Hometown Federal Credit Union has a low asset base.

Health Grade Components

NCUA #1621
Year Chartered1936
Primary Regulator
Profit Margin
Return on Assets - YTD2.48%
Return on Equity - YTD9.62%
Annual Interest Income$2.1MM
Assets and Liabilities
AssetsQ4 2023vs Q4 2022$34.9MM$38.3MM
LoansQ4 2023vs Q4 2022$25.8MM$24.4MM
DepositsQ4 2023vs Q4 2022$25.8MM$27.8MM
Equity CapitalQ4 2023vs Q4 2022$9MM$8.1MM
Loan Loss AllowanceQ4 2023vs Q4 2022$437K$437K
Unbacked Noncurrent LoansQ4 2023vs Q4 2022$365K$399K
Real Estate OwnedQ4 2023vs Q4 2022$52K$7K
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Hometown Federal Credit Union Savings Account Rates

0.75%--IRA Account
0.50%$25-Savings Account
0.50%--Christmas Club Account
0.50%--Vacation Club Account
0.50%$5-IRA (Shares)

Hometown Federal Credit Union Locations
Corporate Office151 N BroadwayPERU, IN 46970

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