State credit union · HUTCHINSON, Kansas · NCUA charter #67829
Hutchinson Postal & Community
Health score 84/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $5.1M
- Total assets
- 687
- Members
- 11.9%
- Net-worth ratio
Hutchinson Postal & Community - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #67829, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Hutchinson Postal & Community - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)100
- Asset quality (delinquency)77
- Earnings (ROA)100
- Member growth34
- Liquidity (loan-to-share)99
Weighted composite: 84/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 11.87%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 11.87% | 30% |
| Delinquency Rate | 1.10% | 25% |
| Return on Assets | 0.66% | 15% |
| Member Growth | -2.14% | 15% |
| Loan-to-Share Ratio | 90.40% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $5.1M | 687 |
| 2024Q4 | $5.1M | 702 |
| 2023Q4 | $5.0M | 697 |
Credit Union Details
- Charter Number
- 67829
- Type
- State
- Field of Membership
- Other
- Peer Group
- $2M–$10M
- State
- Kansas
- City
- HUTCHINSON
- Data Quarter
- 2025Q4
What This Data Says About Hutchinson Postal & Community
Hutchinson Postal & Community is a state credit union headquartered in HUTCHINSON, Kansas, serving 687 members with $5.1M in total assets and $3.7M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 84/100 (Excellent), anchored by a net worth ratio of 11.87% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #67829 operates under peer group $2M–$10M, a cohort of 566 similarly-sized institutions.
1.10% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running tighter than peers. Deposit deployment is captured by the 90.40% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.66% on net income of $33K 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 -2.14%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Other) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
Nearby Credit Unions in Kansas
More federally-insured credit unions based in Kansas, ordered by peer group match and asset size.
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 Postal & Community financially healthy?
Yes/no aside, the number is 84/100 (Excellent) - Hutchinson Postal & Community's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 11.87% net worth ratio and 1.10% delinquency rate are the key drivers.
How does Hutchinson Postal & Community compare to other credit unions?
Five weighted metrics from NCUA filings produce Hutchinson Postal & Community's 84/100 score on PlainCU's health composite, compared to a peer group average for $2M–$10M 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 Postal & Community?
Membership eligibility for Hutchinson Postal & Community depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Hutchinson Postal & Community directly for current membership requirements and application steps.
Is my money safe at Hutchinson Postal & Community?
Federal credit unions like Hutchinson Postal & Community 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 Postal & Community's net worth ratio of 11.87% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Hutchinson Postal & Community offer compared to banks?
Credit unions like Hutchinson Postal & Community 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 Postal & Community 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.