Charter 61648 · Kulm, ND
Hometown Credit Union
Hometown Credit Union is a state-chartered credit union in Kulm, North Dakota, with $223 million in assets and 3,371 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 15.56%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $223 million
- +4.2% in a year
- Members
- 3,371
- +0.3% in a year
- Net worth ratio
- 15.56%
- Peer median 11.65%
- Loans 60+ days late
- 6.81%
- Peer median 0.70%
- Loans outstanding
- $178 million
- +6.6% in a year
- Shares and deposits
- $182 million
- +3.7% in a year
- Branches
- 5
- 45 employees
- Opened
- 1949
- North Dakota charter
How Hometown Credit Union compares
NCUA groups credit unions by size; Hometown Credit Union is in the group with $100 million to $500 million (1,061 credit unions). Its net worth ratio of 15.56% is higher than that group's median of 11.65%, and its share of loans 60 or more days past due, 6.81%, is higher than the group median of 0.70%. Loans grew 6.6% over the year to Q2 2026, against a group median of 2.9% growth.
By assets it ranks 7 of 29 credit unions headquartered in North Dakota. See all North Dakota credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $223 million | 3,371 | $178 million | 15.56% | 6.81% |
| Q1 2026 | $219 million | 3,372 | $171 million | 15.47% | 3.05% |
| Q4 2025 | $213 million | 3,350 | $175 million | 15.56% | 3.95% |
| Q3 2025 | $211 million | 3,354 | $171 million | 15.43% | 3.75% |
| Q2 2025 | $214 million | 3,362 | $167 million | 15.03% | 4.72% |
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 240,479 potential members. It holds NCUA's low-income designation, which lets it accept non-member deposits and raise secondary capital.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 5 sites for Hometown Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- KULM (main office)
18 Main Ave S, Kulm, ND 58456 - ASHLEY BRANCH
106 E Main St, Ashley, ND 58413 - HAZELTON BRANCH
341 Main, Hazelton, ND 58544 - LINCOLN BRANCH
109 Mcdougall Dr Ste 5, Lincoln, ND 58504 - MEDINA BRANCH
301 5Th Ave Se, Medina, ND 58467
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