BlastPoint's Credit Union Scorecard
HUTCHINSON GOVERNMENT EMPLOYEES
Charter #63090 · KS
HUTCHINSON GOVERNMENT EMPLOYEES has 3 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.29% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + AMR Growth Rate: Top 5.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.16% below tier average
- - Efficiency ratio 8.38% above tier (higher cost structure)
- - Delinquency rate 1.03% above tier average
- - Member decline: -12.3% YoY
- - Member Growth Rate: Bottom 4.1% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,038
-12.3% YoY0% QoQ
|
-587 |
2,625
-2.2% YoY
|
17,915
-2.9% YoY
|
33,089
+6.1% YoY
|
52% |
| Assets |
$20.7M
+5.2% YoY+0.3% QoQ
|
$-9.2M |
$29.9M
+1.1% YoY
|
$244.1M
-6.9% YoY
|
$547.7M
+7.8% YoY
|
49% |
| Loans |
$9.5M
-5.0% YoY-0.9% QoQ
|
$-6.3M |
$15.8M
-2.4% YoY
|
$175.9M
-4.8% YoY
|
$388.7M
+8.6% YoY
|
50% |
| Deposits |
$17.5M
+2.9% YoY-1.7% QoQ
|
$-8.0M |
$25.5M
+0.4% YoY
|
$209.0M
-2.4% YoY
|
$464.6M
+9.3% YoY
|
49% |
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| ROA |
0.5%
-33.1% YoY-3.6% QoQ
|
-0.2% |
0.7%
-731.4% YoY
|
0.7%
+53.0% YoY
|
0.7%
+273.4% YoY
|
38% |
| NIM |
4.2%
-4.2% YoY-1.6% QoQ
|
+0.3% |
3.9%
+3.8% YoY
|
4.0%
+8.4% YoY
|
3.7%
+5.0% YoY
|
64% |
| Efficiency Ratio |
89.8%
+4.1% YoY-0.5% QoQ
|
+8.4% |
81.4%
-2.4% YoY
|
77.0%
-6.2% YoY
|
79.1%
-3.3% YoY
|
76% |
| Delinquency Rate |
2.5%
+15.3% YoY-8.8% QoQ
|
+1.0 |
1.5%
-2.0% YoY
|
1.2%
-23.8% YoY
|
1.2%
-0.9% YoY
|
Top 15.0% in tier |
| Loan To Share |
54.1%
-7.7% YoY+0.8% QoQ
|
-7.1% |
61.2%
-3.0% YoY
|
71.9%
-2.0% YoY
|
68.0%
-1.7% YoY
|
38% |
| AMR |
$13,239
+14.0% YoY-1.4% QoQ
|
$-1K |
$14,627
-2.7% YoY
|
$16,347
+1.3% YoY
|
$19,418
+1.3% YoY
|
47% |
| CD Concentration |
15.3%
+8.3% YoY+8.4% QoQ
|
-9.1% |
24.4%
+4.2% YoY
|
24.2%
-2.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
12.4%
-5.6% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)