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Overview / Commentary
900 E 23rd Ave
Hutchinson, KS 67502-5648

Hutchinson Credit Union is headquartered in Hutchinson and is the 9th largest credit union in the state of Kansas. It is also the 872nd largest credit union in the nation. It was established in 1948 and as of March of 2014, it had grown to 94 employees and 18,988 members. Hutchinson Credit Union has a A+ health rating.

Field of Membership Restrictions

Must live, work or worship in any of the following counties in Kansas: Barton, Butler, Dickinson, Ellsworth, Franklin, Geary, Harvey, Kingman, Lincoln, Lyon, Marion, McPherson, Miami, Mitchell, Osage, Ottawa, Pottawatomie, Pratt, Reno, Rice, Riley, Saline, Sedgwick, Stafford or Wabaunsee. - See Details

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Data for Q1 2014

Institution Health


Texas Ratio


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 Hutchinson Credit Union had $582,000 in non-current loans and owned real-estate with $22.7 million in equity and loan loss allowances on hand to cover it. This gives Hutchinson 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


The Texas Ratio for Hutchinson Credit Union decreased dramatically from 4.78% as of March 31, 2013 to 2.56% as of March 31, 2014, resulting in a positive change of 46.35%.This indicates that the balance sheet and financial strength for Hutchinson Credit Union has improved dramatically in recent periods.

Deposit Growth


In the past year, Hutchinson Credit Union has increased its total deposits by $12.58 million, resulting in 6.79% 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 Hutchinson Credit Union has shown is excellent.



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. Hutchinson Credit Union has $220.97 million in assets with $22.7 million in equity, resulting in a capitalization level of 10.27%, which is above average.

Institution Statistics

NCUA #62031
Year Chartered1948
Primary Regulator
Assets and Liabilities
Assets$220.97 million
Loans$158.50 million
Deposits$197.95 million
Equity Capital$21.09 million
Loan Loss Allowance$1.61 million
Unbacked Noncurrent Loans$486,000
Real Estate Owned$96,000
Historic Data - March 2013
Assets$206.94 million
Equity Capital$19.31 million
Loan Loss Allowance$1.34 million
Unbacked Noncurrent Loans$486,000
Real Estate Owned$0
Profit Margin - Quarterly
Return on Assets0.71%
Return on Equity7.45%
Interest Income$1.95 million

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Hutchinson Credit Union Savings Account Rates

0.20%--Club Share
0.20%--Christmas Club
0.20%--Scottie Savers Club
0.20%--Special Share
0.20%--Share Account
0.20%--Gateway Account
0.20%$100-HSA Share
0.20%--IRA Share
0.20%--Roth IRA Share
0.20%--CESA Share
0.20%--SEP IRA Share
0.20%--Conservator/Rep Payee
0.20%--Business Share Account

Hutchinson Credit Union Money Market Rates

0.30%$50k-Investment Shares

Hutchinson Credit Union Checking Account Rates

0.30%$50k-Premier Checking
0.25%$50k-Business High Yield Checking
0.10%--Business Basic Checking
0.10%--Business Checking

Hutchinson Credit Union CD Rates

3.15%$250k-120 Month Certificate Special
3.15%$250k-Business 120 Month Certificate Special
3.15%$250k-120 Month HSA Certificate Special
2.50%$250k-72 Month Certificate Special
2.50%$250k-Business 72 Month Certificate Special
2.50%$250k-72 Month HSA Certificate Special
1.91%$250k-60 Month CD
1.91%$250k-60 Month HSA Certificate
1.36%$250k-48 Month CD
1.36%$250k-48 Month HSA Certificate
1.05%$100k-36 Month CD
1.05%$100k-36 Month HSA Certificate
0.75%$250k-24 Month CD
0.75%$250k-24 Month HSA Certificate
0.40%$500-12 Month CD
0.40%$500-12 Month HSA Certificate
0.35%$500-6 Month CD
0.35%$500-6 Month HSA Certificate
0.25%$500-3 Month CD
0.25%$500-3 Month HSA Certificate

Hutchinson Credit Union IRA Rates

1.90%$250k-48 Month IRA Certificate
1.90%$250k-60 Month IRA Certificate
1.35%$250k-48 Month Roth IRA Certificate
1.35%$250k-48 Month CESA Certificate
1.35%$250k-48 Month SEP IRA Certificate
1.05%$100k-36 Month IRA Certificate
0.75%$250k-24 Month IRA Certificate
0.40%$500-12 Month IRA Certificate
0.35%$500-6 Month IRA Certificate
0.25%$500-3 Month IRA Certificate

Hutchinson Credit Union Locations
Branch Office900 E 23rd AveHutchinson, KS 67502-5648
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Branch Office129 W Avenue AHutchinson, KS 67501