HOME TOWN
Charter #21669 · Owatonna, MN · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 25,572 ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- On Share growth YoY, the asset-size band puts this credit union at the 67th percentile but its structural peers at the 48th — a 19-point gap showing why the peer definition matters.
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 | HOME TOWN | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $295.62M | 73th pct | 64th pct |
| Members | 25,572 | 89th pct | 84th pct |
| Net worth ratio | 10.40% | 33th pct | 38th pct |
| Return on average assets | 0.96% | 67th pct | 61th pct |
| Net interest margin | 4.00% | 71th pct | 70th pct |
| Cost of funds | 1.14% | 45th pct | 41th pct |
| Loan-to-share | 73.69% | 53th pct | 51th pct |
| Delinquency 60+ days | 0.61% | 50th pct | 54th pct |
| Net charge-off ratio | 0.61% | 73th pct | 67th pct |
| Loan growth YoY | 3.90% | 81th pct | 72th pct |
| Share growth YoY | 4.65% | 67th pct | 48th pct |
| Efficiency ratio | 72.21% | 29th pct | 34th pct |
structural peer set hash: c944b72fec3be7a8faba8347a3e5279f… (reproducible)
Closest structural peers
This is the free public view
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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.