HOMETOWN
Charter #1621 · Peru, IN · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 32.10% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 3.54% ranks in the 95th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 6.35% ranks in the 93rd percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.38% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.99% sits at the 82nd percentile of structural peers — worth a closer look.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | HOMETOWN | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $37.51M | 77th pct | 64th pct |
| Members | 3,982 | 91th pct | 72th pct |
| Net worth ratio | 32.10% | 98th pct | 82th pct |
| Return on average assets | 3.54% | 99th pct | 95th pct |
| Net interest margin | 6.35% | 99th pct | 93th pct |
| Cost of funds | 0.38% | 25th pct | 16th pct |
| Loan-to-share | 100.67% | 99th pct | 84th pct |
| Delinquency 60+ days | 1.99% | 85th pct | 82th pct |
| Net charge-off ratio | 0.20% | 56th pct | 54th pct |
| Loan growth YoY | -1.00% | 62th pct | 41th pct |
| Share growth YoY | 5.50% | 77th pct | 66th pct |
| Efficiency ratio | 53.47% | 5th pct | 16th pct |
structural peer set hash: 74bdaf4d194a939ece9912f0eb81e7fa… (reproducible)
Closest structural peers
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.