Hometown
Hometown is a credit union based in Kulm, North Dakota, established in 1949, with $219 million in total assets serving 3,372 members. By Trust Grade it ranks 7th of 29 credit unions we track in North Dakota. Its net worth ratio of 15.5% is stronger than 89% of similarly sized credit unions, versus a North Dakota median of 13.4%. It was profitable over the most recent period, with a 1.44% return on assets. No consumer complaints against Hometown appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Hometown compares to North Dakota peers
How we graded Hometown
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (15.5% capital ratio)
- Strongly profitable (ROA 1.44%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Hometown over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at Hometown insured?
Yes. Hometown is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Hometown: frequently asked questions
Is Hometown a good credit union?
Hometown earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (15.5% capital ratio); Strongly profitable (ROA 1.44%).
Is Hometown NCUA-insured?
Yes. Hometown is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.
How big is Hometown?
Hometown holds $219 million in total assets, ranking 7th of 29 credit unions we track in North Dakota. It serves 3,372 members.
Does Hometown have CFPB complaints?
No CFPB complaints against Hometown appear in our data over the analysis window, which is typical for a credit union of this size.
Similar Credit Unions
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
