Z — UnclassifiedEIN: 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$10,309,721↑33%$7,759,048↑50%$192,131,949↑8%
2022$7,768,677↑7%$5,188,740↑3%$178,035,582↑2%
2021$7,279,948↑3%$5,016,003↓6%$173,811,204↑13%
2020$7,076,384↓6%$5,338,858↓6%$154,098,495↑15%
2019$7,560,392↑18%$5,673,781↑28%$134,163,609↑4%
2018$6,391,264↑19%$4,447,468↑20%$128,792,379↑14%
2017$5,372,251↑6%$3,705,536↑14%$112,519,206↑4%
2016$5,068,675↑10%$3,263,491↑22%$108,705,373↑11%
2015$4,591,232↑11%$2,671,988↑9%$98,277,014↑9%
2014$4,140,365↑6%$2,445,761↑1%$90,155,539↑5%
2013$3,913,374↑9%$2,421,840↑12%$86,025,675↑11%
2012$3,588,297↑14%$2,159,596↓3%$77,177,638↑16%
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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