Hutchinson Postal & Community Credit Union

Hutchinson Postal & Community Credit Union is headquartered in HUTCHINSON and is the 72^nd largest credit union in the state of Kansas. It is also the 5,889^th largest credit union in the nation. It was established in 1929 and as of December of 2011, it had grown to 2 employees and 649 members. Hutchinson Postal & Community Credit Union's savings rates are 25% higher than the national average, and it boasts a 5-star health rating.

Hutchinson Postal & Community Credit Union Savings Account Rates

Hutchinson Postal & Community Credit Union CD Rates

Hutchinson Postal & Community Credit Union IRA Rates

Data for Q4 2011

Institution Statistics HUTCHINSON POSTAL & COMMUNITY NCUA # 67829 BankRate Report View Year Chartered 1929 Employees 2 Primary Regulator Assets and Liabilities Assets $3.52 million Loans $1.97 million Deposits $2.60 million Equity Capital $906,000 Loan Loss Allowance $9,000 Unbacked Noncurrent Loans $67,000 Historic Data - December 2010 Assets $3.28 million Equity Capital $928,000 Loan Loss Allowance $8,000 Unbacked Noncurrent Loans $18,000 Profit Margin - Quarterly Net Interest Margin 5.57% Return on Assets -0.6% Return on Equity -2.32% Interest Income $141,000 Non-Interest Income $44,000

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Hutchinson Postal & Community Credit Union had $67,000 in non-current loans and owned real-estate with $915,000 in equity and loan loss allowances on hand to cover it. This gives Hutchinson Postal & Community Credit Union a Texas Ratio of 7.32% 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 Postal & Community Credit Union increased slightly from 1.92% as of December 31, 2010 to 7.32% as of December 31, 2011, resulting in a negative change of 280.77%. This indicates that the balance sheet and financial strength for Hutchinson Postal & Community Credit Union has declined slightly in recent periods. Deposit Growth In the past year, Hutchinson Postal & Community Credit Union has increased its total deposits by $267,000, resulting in 11.46% 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 Postal & Community Credit Union has shown is excellent. Capitalization 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 Postal & Community Credit Union has $3.52 million in assets with $915,000 in equity, resulting in a capitalization level of 26.02%, which is excellent.

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