Credit Union Safety Analysis
Is Home Town Federal Credit Union Safe? Owatonna, Minnesota
Based on its Q2 2026 NCUA 5300 call report, Home Town Federal Credit Union has a net worth ratio of 10.61%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.58%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Home Town Federal Credit Union's net worth ratio is 10.61%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 10.61%
- Delinquency ratio (60+ days) (Q2 2026): 0.58%
- Return on assets (Q2 2026): 1.34%
- Loan-to-share ratio (Q2 2026): 75.63%
Home Town Federal Credit Union (NCUA charter 21669, established 1974) reported $293.3M in assets and 26,178 members for Q2 2026 from Owatonna, Minnesota. It ranks 22 of 79 credit unions in Minnesota by total assets. Total assets grew 5.3% from $278.6M on June 30, 2025. It has 492 more members than on June 30, 2025 (+1.9%). Its net worth ratio was up 0.53 percentage points from 10.08% on June 30, 2025. Used vehicle loans are its largest loan category, $71.7M of $198.5M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.58% is below the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 10.40% for Q1 2026; 10.08% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 0.61% for Q1 2026; 0.67% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 0.94% for Q1 2026; 3.03% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 73.69% for Q1 2026; 75.73% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $71.7M
- 1- to 4-family residential and other consumer real estate loans: $61.0M
- New vehicle loans: $36.9M
- Other secured non-real estate loans and lines of credit: $20.4M
- Other unsecured loans and lines of credit: $3.8M
- Non-federally guaranteed student loans: $2.5M
- Unsecured credit card loans: $2.3M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $293.3M | 10.61% | 0.58% | 1.34% | 75.63% |
| March 31, 2026 | $295.6M | 10.40% | 0.61% | 0.94% | 73.69% |
| December 31, 2025 | $286.2M | 10.29% | 0.62% | 1.04% | 74.41% |
| September 30, 2025 | $280.9M | 10.18% | 0.49% | 0.77% | 74.22% |
| June 30, 2025 | $278.6M | 10.08% | 0.67% | 3.03% | 75.73% |
| March 31, 2025 | $282.2M | 9.34% | 0.83% | 0.58% | 77.00% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Home Town Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 21669) · FFIEC NIC profile (RSSD 77486)
Frequently asked questions
Is Home Town Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Home Town Federal Credit Union's net worth ratio is 10.61%, above the 7% NCUA threshold for well capitalized.
Is Home Town Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Home Town Federal Credit Union is a federally insured credit union (NCUA charter 21669): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Home Town Federal Credit Union's key safety ratios?
For Q2 2026, Home Town Federal Credit Union reports net worth 10.61%, delinquency 0.58%, ROA 1.34%, loan-to-share 75.63%.
What happens to my money if Home Town Federal Credit Union fails?
For Q2 2026, Home Town Federal Credit Union held $262.5M in shares and deposits for 26,178 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.