BlastPoint's Credit Union Scorecard
HUTCHINSON POSTAL & COMMUNITY
Charter #67829 · KS
HUTCHINSON POSTAL & COMMUNITY has 1 strength but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 2.68% above tier average
Key Concerns
Areas that may need attention
- - ROA 1.16% below tier average
- - Efficiency ratio 2.49% above tier (higher cost structure)
- - Member decline: -3.2% YoY
- - Net Charge-Off Rate: Bottom 9.3% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 43 that size in Kansas.
- Shares and deposits -0.0% year over year ($4.2M in shares and deposits).
- Membership: 687 members, -3.2% vs a year ago.
- Delinquency rate 0.85%.
- Return on assets 0.33%.
- Efficiency ratio 91.26% vs a 88.77% peer average.
- Loan-to-share ratio 83.70% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
687
-3.2% YoY+0.3% QoQ
|
-1.9K |
2,585
-1.7% YoY
|
21,725
-5.1% YoY
|
34,678
+6.6% YoY
|
19% |
| Assets |
$5.2M
-0.3% YoY+4.0% QoQ
|
$-25.1M |
$30.3M
+1.5% YoY
|
$314.3M
-2.5% YoY
|
$593.1M
+10.2% YoY
|
19% |
| Loans |
$3.5M
-0.4% YoY-3.4% QoQ
|
$-11.9M |
$15.5M
-1.7% YoY
|
$223.6M
-4.3% YoY
|
$418.6M
+10.1% YoY
|
27% |
| Deposits |
$4.2M
-0.0% YoY+5.3% QoQ
|
$-21.6M |
$25.8M
+1.1% YoY
|
$272.9M
-1.4% YoY
|
$504.8M
+10.3% YoY
|
20% |
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| ROA |
0.3%
-286.9% YoY-51.7% QoQ
|
-1.2% |
1.5%
+241.5% YoY
|
1.0%
+59.0% YoY
|
1.2%
+121.4% YoY
|
20% |
| NIM |
6.6%
+14.7% YoY-3.2% QoQ
|
+2.7% |
3.9%
+0.9% YoY
|
4.1%
+6.5% YoY
|
3.8%
+2.3% YoY
|
Top 1.6% in tier |
| Efficiency Ratio |
91.3%
-4.9% YoY+4.4% QoQ
|
+2.5% |
88.8%
-6.9% YoY
|
76.8%
-1.7% YoY
|
83.0%
-5.3% YoY
|
74% |
| Delinquency Rate |
0.9%
-52.5% YoY+16.9% QoQ
|
-0.7 |
1.5%
+2.1% YoY
|
1.5%
+11.1% YoY
|
1.3%
+2.6% YoY
|
56% |
| Loan To Share |
83.7%
-0.3% YoY-8.3% QoQ
|
+24.8% |
58.9%
-3.1% YoY
|
71.5%
-1.0% YoY
|
66.4%
-1.4% YoY
|
84% |
| AMR |
$11,315
+3.2% YoY+0.8% QoQ
|
$-4K |
$14,963
-6.8% YoY
|
$16,832
+1.8% YoY
|
$20,028
-0.9% YoY
|
35% |
| CD Concentration |
30.9%
-12.8% YoY+13.3% QoQ
|
+6.4% | 24.6% | 24.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 12.0% | 7.7% | 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)