Credit union · NCUA insured
Your Home Town FCU
A $27.1M credit union headquartered in Mayfield, KY, with 1,641 members and 1 branch in Kentucky. Best rates: CDs 2.28% and savings 0.25% APY.
Your Home Town FCU Carrot Score
62
Carrot Score
Higher than 6% of U.S. banks and credit unions
#5 of 5 in Mayfield, KY metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Your Home Town FCU
- Headquarters
- 2338 State Route 45 N, Mayfield, KY 42066
- NCUA charter
- 16702
Branches
1 branch in Kentucky
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Kentucky
1 branch
- Your Hometown Federal Credit UnionMain office2338 State Route 45 N, Mayfield, KY 42066Directions
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 | 9.25% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 1.75% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | -0.70% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $34 | $59 | — |
- CapitalNet worth ratio9.25%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late1.75%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets-0.70%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$34Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million 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 Your Home Town FCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.