Hometown

KULM, ND · 2 · Charter #61648 · www.hcuonline.com
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$212.9M
92th percentile
Members
3,350
8th percentile
Total loans
$174.8M
98th percentile
Total shares
$169.8M
89th percentile

Profitability

Return on assets
0.98%
46th percentile
Net interest margin
3.04%
19th percentile
Efficiency ratio
36.62%
97th percentile
Non-interest income ratio
3.50%
3th percentile

Capital & Risk

Net worth ratio
15.56%
79th percentile
Delinquency rate
3.95%
2th percentile
Net charge-off rate
0.01%
97th percentile
Loan-to-share
102.94%
97th percentile

Growth

Member growth YoY
0.39%
63th percentile
Asset growth YoY
2.19%
36th percentile
Loan growth YoY
1.45%
51th percentile
Share growth YoY
1.56%
34th percentile

Operations

Members / branch
670
0th percentile
Assets / member
$63,565
100th percentile
Field of membership penetration
1.39%
21th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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