HUTCHINSON POSTAL & COMMUNITY
Charter #67829 · HUTCHINSON, KS · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 6.74% ranks in the 97th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.08% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 59th percentile but its structural peers at the 31st — a 28-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | HUTCHINSON POSTAL & COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $4.97M | 59th pct | 39th pct |
| Members | 685 | 59th pct | 31th pct |
| Net worth ratio | 18.64% | 53th pct | 66th pct |
| Return on average assets | 0.69% | 61th pct | 49th pct |
| Net interest margin | 6.74% | 96th pct | 97th pct |
| Cost of funds | 1.17% | 71th pct | 52th pct |
| Loan-to-share | 91.26% | 88th pct | 70th pct |
| Delinquency 60+ days | 0.73% | 47th pct | 39th pct |
| Net charge-off ratio | -0.08% | 15th pct | 11th pct |
| Loan growth YoY | -0.52% | 72th pct | 62th pct |
| Share growth YoY | -4.92% | 17th pct | 10th pct |
| Efficiency ratio | 87.43% | 53th pct | 67th pct |
structural peer set hash: d7493b8dd6349825e218c491eeffa9c2… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.