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Overview / Commentary
800-669-8500
2704 N Lorraine St
Hutchinson, KS 67502

Dillon Credit Union is headquartered in Hutchinson and is the 26th largest credit union in the state of Kansas. It is also the 2,650th largest credit union in the nation. It was established in 1958 and as of March of 2014, it had grown to 10 employees and 4,711 members. Dillon Credit Union has a B+ health rating.

Field of Membership Restrictions

Must live, work or worship in one of the several select counties in Kansas. - See Details

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Health

Data for Q1 2014

Institution Health

B+
Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Dillon Credit Union has a low asset base.

Texas Ratio

GRADE:
A+

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Dillon Credit Union had $145,000 in non-current loans and owned real-estate with $5.66 million in equity and loan loss allowances on hand to cover it. This gives Dillon Credit Union a Texas Ratio of 2.56% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
A

The Texas Ratio for Dillon Credit Union decreased dramatically from 3.72% as of March 31, 2013 to 2.56% as of March 31, 2014, resulting in a positive change of 31.23%.This indicates that the balance sheet and financial strength for Dillon Credit Union has improved dramatically in recent periods.

Deposit Growth

GRADE:
A+

In the past year, Dillon Credit Union has increased its total deposits by $1.63 million, resulting in 5.31% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Dillon Credit Union has shown is excellent.

Capitalization

GRADE:
A+

Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Dillon Credit Union has $38.37 million in assets with $5.66 million in equity, resulting in a capitalization level of 14.75%, which is excellent.

Institution Statistics

Overall
NCUA #67730
Year Chartered1958
Employees10
Primary Regulator
Assets and Liabilities
Assets$38.37 million
Loans$23.61 million
Deposits$32.38 million
Equity Capital$5.61 million
Loan Loss Allowance$56,000
Unbacked Noncurrent Loans$145,000
Real Estate Owned$0
Historic Data - March 2013
Assets$36.58 million
Equity Capital$5.59 million
Loan Loss Allowance$50,000
Unbacked Noncurrent Loans$145,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin1.01%
Return on Assets0.04%
Return on Equity0.29%
Interest Income$268,000
Rates

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Dillon Credit Union Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.40%--IRA Share Account
0.40%--Roth IRA Share Account
0.20%--Regular Share Savings Account

Dillon Credit Union Money Market Rates

DetailsAPYMINMAXPRODUCT
0.30%$50k-Money Market Shares Account

Dillon Credit Union Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.10%--Expandachek Account

Dillon Credit Union CD Rates

DetailsAPYMINMAXPRODUCT
0.70%$10k$100k2 Year Jumbo Share Certificate
0.70%$100k-2 Year Super Jumbo Share Certificate
0.60%$500$10k2 Year Share Certificate
0.50%$10k$100k1 Year Jumbo Share Certificate
0.50%$100k-1 Year Super Jumbo Share Certificate
0.45%$10k$100k6 Month Jumbo Share Certificate
0.45%$100k-6 Month Super Jumbo Share Certificate
0.40%$500$10k1 Year Share Certificate
0.35%$500$10k6 Month Share Certificate
0.35%$10k$100k3 Month Jumbo Share Certificate
0.35%$100k-3 Month Super Jumbo Share Certificate
0.25%$500$10k3 Month Share Certificate

Dillon Credit Union IRA Rates

DetailsAPYMINMAXPRODUCT
0.70%$500-2 Year IRA Share Certificate
0.50%$500-1 Year IRA Share Certificate
Locations


Dillon Credit Union Locations
Branch Office2704 N Lorraine StHutchinson, KS 67502
Branch Office2700 E 4th AveHutchinson, KS 67501-1903