Credit union · NCUA insured
Hometown Credit Union
A $219.3M credit union headquartered in Kulm, ND, with 3,372 members and 5 branches in North Dakota. Best rates: CDs 4.58% and savings 0.80% APY.
Hometown Credit Union Carrot Score
85
Carrot Score
Higher than 71% of U.S. banks and credit unions
#5 of 12 in Bismarck, ND metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Hometown Credit Union
Serving members since 1949, Hometown Credit Union operates North Dakota branch offices in Ashley, Kulm, Hazelton, Lincoln, and Medina.
- Headquarters
- 18 Main Ave S, Kulm, ND 58456
- NCUA charter
- 61648
Branches
5 branches in North Dakota
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North Dakota
5 branches
Kulm area · 1
- KulmMain office18 Main Ave, Kulm, ND 58456Directions
Ashley area · 1
- Ashley Branch106 E Main St, Ashley, ND 58413Directions
Hazelton area · 1
- Hazelton Branch341 Main, Hazelton, ND 58544Directions
Bismarck area · 1
- Lincoln Branch109 McDougall Dr Ste 5, Lincoln, ND 58504Directions
Jamestown area · 1
- Medina Branch301 5th Ave SE, Medina, ND 58467Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 15.56% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 6.81% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.46% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $98 | $76 | — |
- CapitalNet worth ratio15.56%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late6.81%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.46%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$98Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Hometown Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.