Home Town

Owatonna, MN · 1 · Charter #21669 · www.hometowncu.coop
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$286.2M
12th percentile
Members
25,751
44th percentile
Total loans
$190.8M
16th percentile
Total shares
$256.4M
16th percentile

Profitability

Return on assets
1.82%
92th percentile
Net interest margin
3.70%
67th percentile
Efficiency ratio
53.15%
72th percentile
Non-interest income ratio
23.66%
75th percentile

Capital & Risk

Net worth ratio
10.14%
38th percentile
Delinquency rate
0.62%
59th percentile
Net charge-off rate
0.64%
28th percentile
Loan-to-share
74.41%
36th percentile

Growth

Member growth YoY
1.86%
65th percentile
Asset growth YoY
6.34%
60th percentile
Loan growth YoY
-6.74%
5th percentile
Share growth YoY
4.60%
49th percentile

Operations

Members / branch
6,438
77th percentile
Assets / member
$11,115
7th percentile
Field of membership penetration
2.58%
34th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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