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 0.18% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + AMR Growth Rate: Top 5.7% in tier
Key Concerns
Areas that may need attention
- - ROA 0.31% below tier average
- - Efficiency ratio 11.20% above tier (higher cost structure)
- - Delinquency rate 1.12% above tier average
- - Member decline: -9.8% YoY
- - Member Growth Rate: Bottom 5.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,017
-9.8% YoY-1.0% QoQ
|
-598 |
2,615
-1.9% YoY
|
12,209
-35.0% YoY
|
33,374
+5.7% YoY
|
51% |
| Assets |
$20.6M
+5.0% YoY-0.1% QoQ
|
$-9.5M |
$30.1M
+2.1% YoY
|
$164.3M
-37.3% YoY
|
$561.6M
+9.7% YoY
|
49% |
| Loans |
$9.6M
-2.2% YoY+0.8% QoQ
|
$-6.2M |
$15.8M
-1.3% YoY
|
$120.8M
-36.2% YoY
|
$397.0M
+8.8% YoY
|
49% |
| Deposits |
$17.8M
+4.9% YoY+1.9% QoQ
|
$-7.9M |
$25.7M
+1.4% YoY
|
$139.5M
-36.6% YoY
|
$477.3M
+9.7% YoY
|
49% |
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| ROA |
0.3%
-58.3% YoY-41.4% QoQ
|
-0.3% |
0.6%
+10.8% YoY
|
0.6%
+32.6% YoY
|
0.7%
+15.9% YoY
|
30% |
| NIM |
4.1%
-7.6% YoY-2.1% QoQ
|
+0.2% |
4.0%
+4.0% YoY
|
4.0%
+7.1% YoY
|
3.8%
+5.1% YoY
|
60% |
| Efficiency Ratio |
93.8%
+10.4% YoY+4.4% QoQ
|
+11.2% |
82.6%
-2.3% YoY
|
78.8%
-6.8% YoY
|
79.7%
-3.3% YoY
|
82% |
| Delinquency Rate |
2.7%
+0.1% YoY+5.5% QoQ
|
+1.1 |
1.6%
-3.1% YoY
|
1.5%
-6.0% YoY
|
1.3%
-2.1% YoY
|
85% |
| Loan To Share |
53.6%
-6.8% YoY-1.1% QoQ
|
-7.0% |
60.6%
-3.1% YoY
|
71.6%
-2.2% YoY
|
67.4%
-1.7% YoY
|
39% |
| AMR |
$13,581
+13.3% YoY+2.6% QoQ
|
$-1K |
$14,783
-1.4% YoY
|
$16,403
+0.2% YoY
|
$19,687
+2.0% YoY
|
49% |
| CD Concentration |
15.5%
+22.3% YoY+0.8% QoQ
|
-9.0% | 24.4% | 24.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 12.2% | 7.8% | 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)