credit union

Home Town

Owatonna, MN · Est. 1974
A
Trust Grade
Excellent
Score: 92/100

Home Town is a credit union based in Owatonna, Minnesota, established in 1974, with $296 million in total assets serving 25,572 members. By Trust Grade it ranks 42nd of 81 credit unions we track in Minnesota. Its net worth ratio of 10.4% trails most similarly sized credit unions (36th percentile), versus a Minnesota median of 12.2%. It was profitable over the most recent period, with a 0.94% return on assets. No consumer complaints against Home Town appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.

Total assets
$295.6M
$100M–1B institution
Members
25,572
Shares & deposits
—
Net worth ratio
10.4%
Bottom 36% of $100M–1B peers · Minnesota median 12.2%
Return on assets
0.9%
Top 33% of $100M–1B peers · Minnesota median 0.86%
Rank in Minnesota
#42
of 81 credit unions

How Home Town compares to Minnesota peers

Net worth ratio
Bottom 36% of $100M–1B peers
Home Town
10.4%
Minnesota median
12.2%
Higher capital ratio = stronger financial cushion
Return on assets
Top 33% of $100M–1B peers
Home Town
0.9%
Minnesota median
0.9%
Higher ROA = more profitable relative to asset base

How we graded Home Town

The Trust Grade blends financial strength with complaint history. Full methodology →

Financial strength
92/100
Customer experience
n/a
Overall
A · 92
  • Well-capitalized (10.4% capital ratio)
  • Profitable (ROA 0.94%)
  • No CFPB complaints on record

Consumer complaints (CFPB)

No CFPB complaints are on file for Home Town over the analysis window. For a smaller institution this is common and counts in its favor.

Are deposits at Home Town insured?

Yes. Home Town is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.

Home Town: frequently asked questions

Is Home Town a good credit union?

Home Town earns a Bankzia Trust Grade of A (92/100, "Excellent"), based on a financial-strength score of 92/100 (it has no CFPB complaints on record). Well-capitalized (10.4% capital ratio); Profitable (ROA 0.94%).

Is Home Town NCUA-insured?

Yes. Home Town is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.

How big is Home Town?

Home Town holds $296 million in total assets, ranking 42nd of 81 credit unions we track in Minnesota. It serves 25,572 members.

Does Home Town have CFPB complaints?

No CFPB complaints against Home Town appear in our data over the analysis window, which is typical for a credit union of this size.

Similar Credit Unions

Greater Community
credit union · Dawson, MN · $295M assets
North Shore
credit union · Silver Bay, MN · $282M assets
St. Paul
credit union · Saint Paul, MN · $262M assets
Minnesota Valley
credit union · Mankato, MN · $334M assets
First Alliance
credit union · Rochester, MN · $335M assets
Centricity
credit union · Hermantown, MN · $338M assets

Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.

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