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National Credit Union Service Organization

HOMETOWN CREDIT UNION

Dec, 31, 2023 — HOMETOWN CREDIT UNION is a federally insured state chartered credit union headquartered in KULM, ND with 5 branch locations and about $192.13 million in total assets. Opened 75 years ago in 1949, HOMETOWN CREDIT UNION has about 3,315 members and employs 47 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.


ABA Routing Number: 291378745
Name:HOMETOWN CREDIT UNION
Address:
(Main Office)
18 MAIN AVE S
KULM, ND 58456
Phone:(701) 647-2448
Fax:(701) 647-2449
Website:https://www.hcuonline.com
Branches:5 branch locations
Members:3,315
Credit Union Type:Federally Insured State Chartered Credit Union
Charter Number:61648
Membership Type:State chartered natural person
Corporate Credit Union:No
Year Opened:1949
Last Audited:Sep 01, 2023
FHLB Member:Yes
Low Income Designation:No
Assets:$192,131,949
CEO/Manager:HAROLD HAGEN
Chairperson:RODNEY KINZLER

Call Report

  • International Remittances
  • Low Cost Wire Transfers

Financial Summary

» See also Statement of Financial Condition
ASSETS:$ Amount
Cash & Equivalents 7,295,477
TOTAL INVESTMENTS 0
Loans Held for Sale 0
 
 Real Estate Loans 79,739,648
 Unsecured Loans 309,495
 Other Loans 79,974,558
 TOTAL LOANS 160,178,785
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -3,012,950
 Land And Building 1,494,124
 Other Fixed Assets 551,122
 NCUSIF Deposit 1,310,045
 All Other Assets 124,853
  TOTAL ASSETS 192,131,949
LIABILITIES & CAPITAL:  
 Dividends Payable 1,172,137
 Notes & Interest Payable 5,000,000
 Accounts Payable & Other Liabilities 613,289
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 18,564,246
 Regular shares 40,217,673
 All Other Shares & Deposits 97,273,795
  TOTAL SHARES & DEPOSITS 156,055,715
  TOTAL LIABILITIES 162,841,141
 Regular Reserve 0
 Other Reserves 0
 Undivided Earnings 29,290,808
  TOTAL EQUITY 29,290,808
  TOTAL LIABILITIES, SHARES, & EQUITY 192,131,949
INCOME & EXPENSE  
 Loan Income 8,913,677
 Investment Income 671,890
 Other Income 282,178
 Total Employee Compensation & Benefits 3,082,920
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 1,342,052
 Non-operating Income & (Expense) 54,259
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense -363,205
 Cost of Funds 3,697,281
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) 2,550,673
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