BlastPoint's Credit Union Scorecard
HUTCHINSON POSTAL & COMMUNITY
Charter #67829 · KS
HUTCHINSON POSTAL & COMMUNITY has 4 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 2.31% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 9.5% in tier
Key Concerns
Areas that may need attention
- - ROA 0.79% below tier average
- - Efficiency ratio 7.37% above tier (higher cost structure)
- - Member decline: -2.1% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
687
-2.1% YoY-3.6% QoQ
|
-1.9K |
2,615
-1.9% YoY
|
12,209
-35.0% YoY
|
33,374
+5.7% YoY
|
19% |
| Assets |
$5.1M
-1.0% YoY-2.6% QoQ
|
$-25.1M |
$30.1M
+2.1% YoY
|
$164.3M
-37.3% YoY
|
$561.6M
+9.7% YoY
|
19% |
| Loans |
$3.7M
-0.2% YoY+0.6% QoQ
|
$-12.1M |
$15.8M
-1.3% YoY
|
$120.8M
-36.2% YoY
|
$397.0M
+8.8% YoY
|
28% |
| Deposits |
$4.1M
-1.0% YoY-2.9% QoQ
|
$-21.6M |
$25.7M
+1.4% YoY
|
$139.5M
-36.6% YoY
|
$477.3M
+9.7% YoY
|
19% |
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| ROA |
-0.2%
-126.2% YoY+4058.6% QoQ
|
-0.8% |
0.6%
+10.8% YoY
|
0.6%
+32.6% YoY
|
0.7%
+15.9% YoY
|
Bottom 13.0% in tier |
| NIM |
6.3%
+8.7% YoY+3.6% QoQ
|
+2.3% |
4.0%
+4.0% YoY
|
4.0%
+7.1% YoY
|
3.8%
+5.1% YoY
|
Top 3.1% in tier |
| Efficiency Ratio |
89.9%
+0.1% YoY+1.0% QoQ
|
+7.4% |
82.6%
-2.3% YoY
|
78.8%
-6.8% YoY
|
79.7%
-3.3% YoY
|
75% |
| Delinquency Rate |
1.1%
+47.5% YoY-41.2% QoQ
|
-0.5 |
1.6%
-3.1% YoY
|
1.5%
-6.0% YoY
|
1.3%
-2.1% YoY
|
63% |
| Loan To Share |
90.4%
+0.8% YoY+3.6% QoQ
|
+29.8% |
60.6%
-3.1% YoY
|
71.6%
-2.2% YoY
|
67.4%
-1.7% YoY
|
Top 9.6% in tier |
| AMR |
$11,373
+1.5% YoY+2.5% QoQ
|
$-3K |
$14,783
-1.4% YoY
|
$16,403
+0.2% YoY
|
$19,687
+2.0% YoY
|
36% |
| CD Concentration |
26.7%
-19.4% YoY-23.4% QoQ
|
+2.3% | 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)