HOME TOWN

Charter #21669 | MN

100M-500M (1077 CUs) Micro
31 100M-500M in MN

HOME TOWN has 3 strengths but faces 5 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 11.5% in tier
  • + ROA 0.67% above tier average
  • + Net Interest Margin 0.13% above tier average

Key Concerns

Areas that may need attention

  • - Shrinking Wallet Share: Bottom 6.1% in tier
  • - Indirect Auto Dependency: Bottom 11.4% in tier
  • - Loan Growth Rate: Bottom 4.5% in tier
  • - AMR Growth Rate: Bottom 4.6% in tier
  • - Indirect Auto Concentration (%): Bottom 7.3% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Members 25,672
+3.0% YoY-0.1% QoQ
 +10.0K 15,628
-3.4% YoY
 26,738
+5.8% YoY
 33,089
+6.1% YoY
 Top 12.2% in tier
Assets $280.9M
+3.7% YoY+0.8% QoQ
 +$49.6M $231.3M
-0.0% YoY
 $521.2M
+7.2% YoY
 $547.7M
+7.8% YoY
 70th in tier
Loans $188.0M
-9.2% YoY-1.2% QoQ
 +$40.2M $147.8M
-1.4% YoY
 $373.7M
+9.3% YoY
 $388.7M
+8.6% YoY
 72nd in tier
Deposits $253.3M
+3.8% YoY+0.8% QoQ
 +$53.0M $200.3M
-0.0% YoY
 $429.0M
+9.5% YoY
 $464.6M
+9.3% YoY
 72nd in tier
ROA 1.5%
+1611.0% YoY-18.8% QoQ
 +0.7% 0.8%
+15.5% YoY
 1.4%
-35.4% YoY
 0.7%
+273.4% YoY
 Top 13.4% in tier
NIM 3.7%
+16.0% YoY+2.2% QoQ
 +0.1% 3.6%
+6.9% YoY
 3.7%
+9.1% YoY
 3.7%
+5.0% YoY
 57th in tier
Efficiency Ratio 63.0%
-21.0% YoY+5.7% QoQ
 -14.3% 77.3%
-3.0% YoY
 74.2%
-2.5% YoY
 79.1%
-3.3% YoY
 Bottom 11.8% in tier
Delinquency Rate 0.5%
-42.0% YoY-26.7% QoQ
 -0.4 0.9%
+7.6% YoY
 0.9%
+10.7% YoY
 1.2%
-0.9% YoY
 37th in tier
Loan To Share 74.2%
-12.6% YoY-2.0% QoQ
 +1.5% 72.7%
-1.5% YoY
 77.1%
-1.5% YoY
 68.0%
-1.7% YoY
 50th in tier
AMR $17,189
-5.0% YoY+0.0% QoQ
 $-7K $24,363
+2.9% YoY
 $23,275
+3.9% YoY
 $19,418
+1.3% YoY
 Bottom 18.8% in tier
CD Concentration 28.1%
-3.0% YoY-0.1% QoQ
 +3.7% 24.4%
+4.2% YoY
 22.0%
+1.9% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 42.1%
-5.9% YoY-4.9% QoQ
 +28.2% 14.0%
-5.8% YoY
 6.6%
-8.5% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (1)

Organic Growth Engine

growth
#211 of 603 • Top 11.5% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 2.96%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 1.46%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Indirect Auto %: 42.15%
(Tier: 13.96%, National: 7.90%)
but worse than tier avg
603 of 1077 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | Rank improving

Concerns (2)

Shrinking Wallet Share

decline
#62 of 244 • Bottom 6.1% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -4.98%
(Tier: 3.68%, National: 4.19%)
worse than tier avg
244 of 1077 Community CUs have this signature | 346 nationally
↓ Shrinking -221 CUs YoY | Rank improving

Indirect Auto Dependency

risk
#184 of 525 • Bottom 11.4% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 3.74%
(Tier: 4.61%, National: 3.04%)
worse than tier avg
Indirect Auto %: 42.15%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 2.96%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
525 of 1077 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | Rank worsening

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Comparing against 1077 peers in tier

Top Strengths (6 metrics)

128
Efficiency Ratio
profitability
Value: 63.02%
Peer Avg: 77.28%
#128 of 1077 Top 11.8% in 100M-500M tier
131
Total Members
engagement
Value: 25,672
Peer Avg: 15,628
#131 of 1077 Top 12.1% in 100M-500M tier
144
Return on Assets (ROA)
profitability
Value: 1.46%
Peer Avg: 0.79%
#144 of 1077 Top 13.3% in 100M-500M tier
157
Members Per Employee (MPE)
engagement
Value: 427.867
Peer Avg: 332.881
#157 of 1077 Top 14.5% in 100M-500M tier
198
First Mortgage Concentration (%)
balance_sheet
Value: 14.05%
Peer Avg: 30.43%
#198 of 1077 Top 18.3% in 100M-500M tier
219
Member Growth Rate
growth
Value: 2.96%
Peer Avg: 0.72%
#219 of 1077 Top 20.2% in 100M-500M tier

Top Weaknesses (5 metrics)

1029
Loan Growth Rate
growth
Value: -9.23%
Peer Avg: 3.45%
#1029 of 1077 Bottom 4.5% in 100M-500M tier
1028
AMR Growth Rate
growth
Value: -4.98%
Peer Avg: 3.64%
#1028 of 1077 Bottom 4.6% in 100M-500M tier
999
Indirect Auto Concentration (%)
balance_sheet
Value: 42.15%
Peer Avg: 13.34%
#999 of 1077 Bottom 7.3% in 100M-500M tier
875
Average Member Relationship (AMR)
engagement
Value: $17,189
Peer Avg: $24,363
#875 of 1077 Bottom 18.8% in 100M-500M tier
840
Net Charge-Off Rate
risk
Value: 0.66%
Peer Avg: 0.47%
#840 of 1077 Bottom 22.1% in 100M-500M tier