Hometown

Peru, IN · 1 · Charter #1621 · www.hometownfcu.org
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$36.4M
85th percentile
Members
3,965
94th percentile
Total loans
$25.8M
95th percentile
Total shares
$24.6M
76th percentile

Profitability

Return on assets
4.07%
99th percentile
Net interest margin
6.64%
98th percentile
Efficiency ratio
46.65%
87th percentile
Non-interest income ratio
14.96%
69th percentile

Capital & Risk

Net worth ratio
32.22%
94th percentile
Delinquency rate
2.06%
24th percentile
Net charge-off rate
0.16%
54th percentile
Loan-to-share
105.09%
95th percentile

Growth

Member growth YoY
-1.02%
54th percentile
Asset growth YoY
-2.10%
29th percentile
Loan growth YoY
1.31%
68th percentile
Share growth YoY
-8.31%
11th percentile

Operations

Members / branch
3,965
97th percentile
Assets / member
$9,170
49th percentile
Field of membership penetration
7.93%
22th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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