State credit union · Hutchinson, Kansas · NCUA charter #63090

Hutchinson Government Employees

Health score 65/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.

65
Health / 100
$20.6M
Total assets
2,017
Members
12.6%
Net-worth ratio

Hutchinson Government Employees - Share Insurance Coverage

Below: composite supervisory bracket and risk-based capital for charter #63090, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.

NCUSIF coverage gauge for Hutchinson Government Employees Share insurance under NCUSIF covers up to $250,000 per share owner. Hutchinson Government Employees holds approximately $17.8M in member shares. Composite CAMELS rating bracket 2 (Satisfactory). Risk-based capital ratio 12.6 percent. Share Insurance Coverage Federal NCUSIF - $250K per share owner 1 2 3 4 5 CAMELS 2 · Satisfactory RBC ratio 12.6% · $17.8M member shares Insured · backed by full faith and credit of the United States
Source: NCUA 5300 Call Report 2025Q4 - share insurance under Title II of the Federal Credit Union Act

Hutchinson Government Employees - Five Health Pillars

This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.

  • Capital (net worth ratio) 12.61% 30% weight
  • Asset quality (delinquency) 2.67% 25% weight
  • Earnings (ROA) 0.70% 15% weight
  • Member growth -9.75% 15% weight
  • Liquidity (loan-to-share) 54% 15% weight

Weighted composite: 65/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.

Source: NCUA 5300 Call Report, sub-scores per PlainCU methodology (see the methodology guide)
Net worth ratio vs. NCUA well-capitalized threshold 84.0%

12.61% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).

$20.6M
Total Assets
2,017
Members
$9.6M
Total Loans
$17.8M
Total Deposits

Financial Health Metrics

Metric Value Weight
Net Worth Ratio 12.61% 30%
Delinquency Rate 2.67% 25%
Return on Assets 0.70% 15%
Member Growth -9.75% 15%
Loan-to-Share Ratio 53.58% 15%

Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).

Historical Financials

Quarter Assets Members
2025Q4 $20.6M 2,017
2024Q4 $19.6M 2,235
2023Q4 $19.9M 2,380

Credit Union Details

Charter Number
63090
Type
State
Field of Membership
Other
Peer Group
$10M–$50M
State
Kansas
City
Hutchinson
Data Quarter
2025Q4

What This Data Says About Hutchinson Government Employees

Charter #63090, peer group $10M–$50M, a cohort of 1163 similarly-sized institutions: that's Hutchinson Government Employees, a state credit union in Hutchinson, Kansas with 2,017 members, $20.6M in total assets, and $9.6M in outstanding loans as of Q4 2025. The five-factor composite scores it 65/100 (Good), helped by a net worth ratio of 12.61% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.

Deposits deployed into lending sit at a 53.58% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Loan quality, meanwhile, shows 2.67% of the book 60+ days past due - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running looser than peers. Return on assets stands at 0.70% on net income of $144K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.

Year-over-year membership changed by -9.75%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Other). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.

Nearby Credit Unions in Kansas

More federally-insured credit unions based in Kansas, ordered by peer group match and asset size.

Compare Hutchinson Government Employees vs CO-OPERATIVE

Sources & disclaimer

Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.

Frequently Asked Questions

Is Hutchinson Government Employees financially healthy?

Hutchinson Government Employees has a financial health score of 65/100 (Good) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 12.61% and delinquency rate of 2.67%.

How does Hutchinson Government Employees compare to other credit unions?

Five weighted metrics from NCUA filings produce Hutchinson Government Employees's 65/100 score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (15%).

What is a credit union health score?

A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.

How can I join Hutchinson Government Employees?

Membership eligibility for Hutchinson Government Employees depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Hutchinson Government Employees directly for current membership requirements and application steps.

Is my money safe at Hutchinson Government Employees?

Federal credit unions like Hutchinson Government Employees are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Hutchinson Government Employees's net worth ratio of 12.61% exceeds the 7% threshold NCUA considers "well capitalized."

What rates does Hutchinson Government Employees offer compared to banks?

Credit unions like Hutchinson Government Employees are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Hutchinson Government Employees directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.

Read our methodology - how this data is sourced, computed, and verified.

Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.