Charter 21669 · Owatonna, MN
Home Town Federal Credit Union
Home Town Federal Credit Union is a federally chartered credit union in Owatonna, Minnesota, with $293 million in assets and 26,178 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 10.61%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $293 million
- +5.3% in a year
- Members
- 26,178
- +1.9% in a year
- Net worth ratio
- 10.61%
- Peer median 11.65%
- Loans 60+ days late
- 0.58%
- Peer median 0.70%
- Loans outstanding
- $199 million
- +4.4% in a year
- Shares and deposits
- $263 million
- +4.5% in a year
- Branches
- 4
- 63 employees
- Opened
- 1974
- Federal charter
How Home Town Federal Credit Union compares
NCUA groups credit unions by size; Home Town Federal Credit Union is in the group with $100 million to $500 million (1,061 credit unions). Its net worth ratio of 10.61% is lower than that group's median of 11.65%, and its share of loans 60 or more days past due, 0.58%, is lower than the group median of 0.70%. Loans grew 4.4% over the year to Q2 2026, against a group median of 2.9% growth.
By assets it ranks 22 of 80 credit unions headquartered in Minnesota. See all Minnesota credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $293 million | 26,178 | $199 million | 10.61% | 0.58% |
| Q1 2026 | $296 million | 25,572 | $195 million | 10.40% | 0.61% |
| Q4 2025 | $286 million | 25,751 | $191 million | 10.29% | 0.62% |
| Q3 2025 | $281 million | 25,672 | $188 million | 10.18% | 0.49% |
| Q2 2025 | $279 million | 25,686 | $190 million | 10.08% | 0.67% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 997,729 potential members.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 4 sites for Home Town Federal Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- Bridge Street (main office)
2400 W Bridge St, Owatonna, MN 55060 - Faribault
1205 Highway 60 W, Faribault, MN 55021 - Northfield
2000 Honey Locust Drive, Northfield, MN 55057 - Owatonna South Branch
150 18Th St Sw, Owatonna, MN 55060
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology