ZUnclassifiedEIN: 450278490

Hometown Credit Union

Kulm, North Dakota

AHealth Score
85A

Financial Health Score

9-metric score across financial health, operational efficiency, and organizational resilience. Based on IRS Form 990 data.

Excellent

How This Organization Compares

Compared to 111 peers in Unclassified with $10M-$100M revenue

Working Capital Ratio (net assets ÷ expenses)

This Org23.89×
Peer Median5.86×
💰
$10.3M
Total Revenue
📊
$7.8M
Total Expenses
🏦
$185.3M
Net Assets
📋
$6.8M
Total Liabilities

Financial Trends

5-Year Trend Analysis

Financial Health Indicators

Revenue Growth
+32.7%
Year-over-year change (2022 → 2023)
Net Margin
+24.7%
Revenue minus expenses as % of revenue
Working Capital Ratio
23.89
Net assets divided by total expenses
Liabilities-to-Assets
3.5%
Total liabilities as % of total assets

Filing History

13 filings on record
YearRevenueExpensesAssets
2023$10,309,72133%$7,759,04850%$192,131,9498%
2022$7,768,6777%$5,188,7403%$178,035,5822%
2021$7,279,9483%$5,016,0036%$173,811,20413%
2020$7,076,3846%$5,338,8586%$154,098,49515%
2019$7,560,39218%$5,673,78128%$134,163,6094%
2018$6,391,26419%$4,447,46820%$128,792,37914%
2017$5,372,2516%$3,705,53614%$112,519,2064%
2016$5,068,67510%$3,263,49122%$108,705,37311%
2015$4,591,23211%$2,671,9889%$98,277,0149%
2014$4,140,3656%$2,445,7611%$90,155,5395%
2013$3,913,3749%$2,421,84012%$86,025,67511%
2012$3,588,29714%$2,159,5963%$77,177,63816%
2011$3,159,180$2,219,817$66,510,548

Frequently Asked Questions

What does Hometown Credit Union do?

Hometown Credit Union is a unclassified nonprofit organization based in North Dakota. It is classified under NTEE code Z and is registered as a 501(c) tax-exempt organization with the IRS.

Is Hometown Credit Union financially healthy?

Based on our 9-metric Financial Health Score model, Hometown Credit Union has a score of 85/100 (Grade: A). This score evaluates working capital, surplus consistency, debt ratio, revenue trends, program spending, fundraising efficiency, executive compensation, revenue diversification, and vulnerability indicators.

How much revenue does Hometown Credit Union generate?

Hometown Credit Union reports $12.3M in annual revenue and holds $208.4M in total assets, based on IRS filings.

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