BlastPoint's Credit Union Scorecard
HUTCHINSON POSTAL & COMMUNITY
Charter #67829 · KS
HUTCHINSON POSTAL & COMMUNITY has 3 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.55% above tier average
- + Net Interest Margin 2.79% above tier average
- + Loan-to-Share Ratio: Top 7.1% in tier
Key Concerns
Areas that may need attention
- - Member decline: -3.5% YoY
- - Asset Growth Rate: Bottom 5.3% in tier
- - Deposit Growth Rate: Bottom 5.4% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
685
-3.5% YoY-0.3% QoQ
|
-2.0K |
2,676
+1.6% YoY
|
12,306
-36.1% YoY
|
33,913
+5.7% YoY
|
19% |
| Assets |
$5.0M
-9.3% YoY-1.6% QoQ
|
$-25.2M |
$30.2M
+1.3% YoY
|
$170.3M
-37.4% YoY
|
$578.3M
+9.0% YoY
|
18% |
| Loans |
$3.7M
+4.4% YoY-1.1% QoQ
|
$-11.6M |
$15.3M
-2.0% YoY
|
$121.5M
-36.6% YoY
|
$402.4M
+8.7% YoY
|
28% |
| Deposits |
$4.0M
-11.2% YoY-2.1% QoQ
|
$-21.8M |
$25.8M
+0.7% YoY
|
$144.0M
-38.1% YoY
|
$494.3M
+9.1% YoY
|
19% |
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| ROA |
0.7%
-631.5% YoY-510.4% QoQ
|
+0.5% |
0.1%
-77.6% YoY
|
0.6%
+30.6% YoY
|
0.4%
-39.2% YoY
|
54% |
| NIM |
6.8%
+18.5% YoY+8.5% QoQ
|
+2.8% |
4.0%
+4.0% YoY
|
4.0%
+4.6% YoY
|
3.8%
+4.1% YoY
|
Top 1.6% in tier |
| Efficiency Ratio |
87.4%
-7.7% YoY-2.8% QoQ
|
-3.2% |
90.6%
+6.5% YoY
|
78.0%
-2.8% YoY
|
84.6%
+2.8% YoY
|
64% |
| Delinquency Rate |
0.7%
-47.6% YoY-34.0% QoQ
|
-0.8 |
1.5%
+3.8% YoY
|
1.3%
+3.6% YoY
|
1.2%
+3.4% YoY
|
54% |
| Loan To Share |
91.3%
+17.6% YoY+1.0% QoQ
|
+32.8% |
58.5%
-3.0% YoY
|
69.9%
-0.4% YoY
|
65.6%
-1.4% YoY
|
Top 7.2% in tier |
| AMR |
$11,220
-0.9% YoY-1.3% QoQ
|
$-4K |
$14,884
-1.7% YoY
|
$16,649
+0.9% YoY
|
$19,920
+1.6% YoY
|
34% |
| CD Concentration |
27.3%
-16.9% YoY+2.3% QoQ
|
+3.0% | 24.3% | 24.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 12.2% | 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)