Civic Intelligence

Hutchinson Postal & Community Credit Union

EIN 48-0580158 • 501(c)14 • Hutchison, KS

Profile

To provide high quality financial services for our members/owners enhancing their financial well-being while maintaining the financial strength of the credit union

2306 N MainHutchison, KS 67502

hutchpccu.com

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

38th percentile

0.82x

Higher debt load relative to assets than 38% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Source year 2025

Liabilities / Revenue

21st percentile

8.67x

Higher debt load relative to revenue than 21% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Source year 2025

Net Margin

34th percentile

-1.8%

Higher net margin than 34% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Source year 2025

Top Officer Pay

43rd percentile

$53,705

Higher top officer pay than 43% of similar nonprofits.

Top officer pay equals 11.3% of source-year revenue.

501(c)14 • $5M-$10M nonprofits • Source year 2025

Asset Growth

49th percentile

-1.1%

Faster asset growth than 49% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Annualized from 2024 to 2025

Revenue Growth

41st percentile

2.9%

Faster revenue growth than 41% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Annualized from 2024 to 2025

Assets

Down

$5,047,350

Down $54,566 (-1.1%) from 2024

Liabilities

Down

$4,129,074

Down $45,920 (-1.1%) from 2024

Net Assets

Down

$918,276

Down $8,646 (-0.9%) from 2024

Revenue

Up

$476,179

Up $13,291 (+2.9%) from 2024

Expenses

Up

$484,825

Up $55,362 (+13%) from 2024

Net Income

Down

-$8,646

Down $42,071 (-126%) from 2024

Trend Graphs

Balance Sheet Trend

Grouped bars show assets, liabilities, and net assets across loaded filings.

$6.0M$4.0M$2.0M$0Assets 2010: $3,276,114Liabilities 2010: $2,347,978Net Assets 2010: $928,1362010Assets 2011: $3,516,471Liabilities 2011: $2,610,154Net Assets 2011: $906,3172011Assets 2012: $3,439,459Liabilities 2012: $2,532,835Net Assets 2012: $906,6242012Assets 2013: $3,895,990Liabilities 2013: $2,953,656Net Assets 2013: $942,3342013Assets 2014: $3,821,895Liabilities 2014: $2,859,011Net Assets 2014: $962,8842014Assets 2015: $4,172,183Liabilities 2015: $3,242,483Net Assets 2015: $929,7002015Assets 2016: $3,914,092Liabilities 2016: $2,973,049Net Assets 2016: $941,0432016Assets 2017: $4,074,926Liabilities 2017: $3,190,614Net Assets 2017: $884,3122017Assets 2018: $4,033,469Liabilities 2018: $3,192,660Net Assets 2018: $840,8092018Assets 2019: $3,751,523Liabilities 2019: $2,869,016Net Assets 2019: $882,5072019Assets 2020: $3,972,924Liabilities 2020: $3,130,622Net Assets 2020: $842,3022020Assets 2021: $4,190,507Liabilities 2021: $3,351,901Net Assets 2021: $838,6062021Assets 2022: $4,475,508Liabilities 2022: $3,609,484Net Assets 2022: $866,0242022Assets 2023: $4,947,526Liabilities 2023: $4,054,029Net Assets 2023: $893,4972023Assets 2024: $5,101,916Liabilities 2024: $4,174,994Net Assets 2024: $926,9222024Assets 2025: $5,047,350Liabilities 2025: $4,129,074Net Assets 2025: $918,2762025

Highlighted filing

2025

Assets$5,047,350
Liabilities$4,129,074
Net Assets$918,276

Operations Trend

Revenue, expenses, and net income by year, with the latest filing highlighted.

$600K$400K$200K$0-$200KExpenses 2010: $224,4022010Expenses 2011: $204,5022011Expenses 2012: $201,5822012Revenue 2013: $260,186Expenses 2013: $224,476Net Income 2013: $35,7102013Revenue 2014: $266,820Expenses 2014: $246,270Net Income 2014: $20,5502014Revenue 2015: $258,927Expenses 2015: $292,111Net Income 2015: -$33,1842015Revenue 2016: $268,027Expenses 2016: $256,684Net Income 2016: $11,3432016Revenue 2017: $265,994Expenses 2017: $322,725Net Income 2017: -$56,7312017Revenue 2018: $277,333Expenses 2018: $320,836Net Income 2018: -$43,5032018Revenue 2019: $303,030Expenses 2019: $261,332Net Income 2019: $41,6982019Revenue 2020: $283,995Expenses 2020: $324,200Net Income 2020: -$40,2052020Revenue 2021: $293,640Expenses 2021: $297,336Net Income 2021: -$3,6962021Revenue 2022: $334,353Expenses 2022: $306,935Net Income 2022: $27,4182022Revenue 2023: $401,579Expenses 2023: $374,106Net Income 2023: $27,4732023Revenue 2024: $462,888Expenses 2024: $429,463Net Income 2024: $33,4252024Revenue 2025: $476,179Expenses 2025: $484,825Net Income 2025: -$8,6462025

Highlighted filing

2025

Revenue$476,179
Expenses$484,825
Net Income-$8,646

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$5.05$4.13$0.92$0.48$0.48$0.01
2024Detailed filing. Detailed filing data is available for this year.$5.10$4.17$0.93$0.46$0.43$0.03
2023Detailed filing. Detailed filing data is available for this year.$4.95$4.05$0.89$0.40$0.37$0.03
2022Detailed filing. Detailed filing data is available for this year.$4.48$3.61$0.87$0.33$0.31$0.03
2021Detailed filing. Detailed filing data is available for this year.$4.19$3.35$0.84$0.29$0.30$0.00
2020Detailed filing. Detailed filing data is available for this year.$3.97$3.13$0.84$0.28$0.32$0.04
2019Detailed filing. Detailed filing data is available for this year.$3.75$2.87$0.88$0.30$0.26$0.04
2018Detailed filing. Detailed filing data is available for this year.$4.03$3.19$0.84$0.28$0.32$0.04
2017Detailed filing. Detailed filing data is available for this year.$4.07$3.19$0.88$0.27$0.32$0.06
2016Detailed filing. Detailed filing data is available for this year.$3.91$2.97$0.94$0.27$0.26$0.01
2015Detailed filing. Detailed filing data is available for this year.$4.17$3.24$0.93$0.26$0.29$0.03
2014Detailed filing. Detailed filing data is available for this year.$3.82$2.86$0.96$0.27$0.25$0.02
2013Detailed filing. Detailed filing data is available for this year.$3.90$2.95$0.94$0.26$0.22$0.04
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.44$2.53$0.91$0.20
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.52$2.61$0.91$0.20
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.28$2.35$0.93$0.22
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2025 to Dec 31, 2025
Signed
Feb 25, 2026
Return Version
2025v4.0
Gross Receipts
$476,179
Mission and Program Overview

Mission

To provide high quality financial services for our members/owners enhancing their financial well-being while maintaining the financial strength of the credit union

To provide high quality financial services for our members/owners, enhancing their financial well-being while maintaining the financial strength of the credit union

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$3,698,378$3,674,814▼ $23,564
Rtn Earn Endowment Incm Other Fnds$926,922$918,276▼ $8,646
Savings and Temporary Cash Investments$1,094,527$913,131▼ $181,396
Cash and Non-Interest-Bearing Accounts$80,951$200,637▲ $119,686
Land, Buildings, and Equipment, Net$164,789$176,870▲ $12,081
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$5,101,916$5,047,350▼ $54,566
Other Assets Total$63,271$81,898▲ $18,627
Liabilities
Other Liabilities$4,144,412$4,100,928▼ $43,484
Accounts Payable and Accrued Expenses$30,582$28,146▼ $2,436
Total Liabilities$4,174,994$4,129,074▼ $45,920
Net Assets / Fund Balance
Total Net Assets Fund Balance$926,922$918,276▼ $8,646
Total Liabilities and Net Assets / Fund Balance$5,101,916$5,047,350▼ $54,566

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$101,270$0$0
Other Land Buildings$0$0$0
Land$75,600-$0
Equipment$0$0$0
Leasehold Improvements$0$0$0
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseTotal
Rosa WhiteManagerFT$53,705$53,705

Board Members and Trustees

NameTitle
Cheyne BeloteChairperson
Aisha HernandezBoard Member
Kathy BattershellBoard Member
Sosha MunizBoard Secretary Treasurer
Clarissa McDanielDirector
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$427,545
Investment Income
$48,634
Other Revenue
$0
Change in Net Assets
$-8,646
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$327,431
Salaries, Compensation, and Employee Benefits$157,394
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Office Expenses---$118,915
Other Salaries and Wages---$88,447
Current Officers, Directors, Trustees, and Key Employees---$53,705
Other Expenses---$50,110
Information Technology---$28,200
All Other Expenses---$18,263
Occupancy---$15,659
Other Employee Benefits---$15,242
Fees for Services Management---$8,429
Depreciation Depletion---$6,794
Travel---$593
Insurance---$216
Total Functional Expenses$0$0$0$484,825
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares$4,100,928
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
No
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
Yes

Governance Explanations

Form 990, Part VI, Section A, Line 3

Day to day management delegated to manager

Form 990, Part VI, Section A, Line 6

The credit union is owned by its members

Form 990, Part VI, Section A, Line 7A

The board of directors and other volunteers are elected by the credit union membership

Form 990, Part VI, Section A, Line 7B

Significant changes such as mergers and changes to the bylaws are subject to approval by the credit union members; however no such changes were made during the year

Form 990, Part VI, Section B, Line 11B

Subject to Board Review

Form 990, Part VI, Section B, Line 12C

Annually at board meeting

Form 990, Part VI, Section B, Line 15

The board of directors reviews and approves all compensation including the manager's. The board deliberates and decisions are documented in the board minutes

Form 990, Part VI, Section C, Line 19

Financial statements are posted monthly in the credit union lobby presented at the annual meeting and are available upon request. In addition the ncua posts financial information as part of the quarterly call reports. Other documents, policies and procedures are presented at the annual meeting and are available upon request.

Filing and Contact Details

Filer

Filer Name
Hutchinson Postal & Community Credit Union
EIN
48-0580158
Phone
6206628050
Address
2306 N MAIN, HUTCHISON, KS 67502

Signing Officer

Name
Rosa White
Title
Manager
Phone
6206628050
Signed
2026-02-25

Organization Details

Principal Officer
Rosa White
Formed
1929
Legal Domicile
Ks
Voting Board Members
5
Independent Board Members
5
Employees
3
Volunteers
5
Raw XML Appendix364 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt0462888
IRS990/ReconcilationRevenueExpnssAmt0-8646
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RoyaltiesRevenueGrp/ExclusionAmt00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt0926922
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt0918276
IRS990/SavingsAndTempCashInvstGrp/BOYAmt01094527
IRS990/SavingsAndTempCashInvstGrp/EOYAmt0913131
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt0101270
IRS990ScheduleD/BuildingsGrp/DepreciationAmt00
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt0101270
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/EquipmentGrp/BookValueAmt00
IRS990ScheduleD/EquipmentGrp/DepreciationAmt00
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/FederalIncomeTaxLiabilityAmt00
IRS990ScheduleD/LandGrp/BookValueAmt075600
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt075600
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt04100928
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARES
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0176870
IRS990ScheduleD/TotalLiabilityAmt04100928
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0DAY TO DAY MANAGEMENT DELEGATED TO MANAGER
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE CREDIT UNION IS OWNED BY ITS MEMBERS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE BOARD OF DIRECTORS AND OTHER VOLUNTEERS ARE ELECTED BY THE CREDIT UNION MEMBERSHIP
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3SIGNIFICANT CHANGES SUCH AS MERGERS AND CHANGES TO THE BYLAWS ARE SUBJECT TO APPROVAL BY THE CREDIT UNION MEMBERS; HOWEVER NO SUCH CHANGES WERE MADE DURING THE YEAR
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Subject to Board Review
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5ANNUALLY AT BOARD MEETING
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6THE BOARD OF DIRECTORS REVIEWS AND APPROVES ALL COMPENSATION INCLUDING THE MANAGER'S. THE BOARD DELIBERATES AND DECISIONS ARE DOCUMENTED IN THE BOARD MINUTES
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7FINANCIAL STATEMENTS ARE POSTED MONTHLY IN THE CREDIT UNION LOBBY PRESENTED AT THE ANNUAL MEETING AND ARE AVAILABLE UPON REQUEST. IN ADDITION THE NCUA POSTS FINANCIAL INFORMATION AS PART OF THE QUARTERLY CALL REPORTS. OTHER DOCUMENTS, POLICIES AND PROCEDURES ARE PRESENTED AT THE ANNUAL MEETING AND ARE AVAILABLE UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Section A, Line 3
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section A, Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section A, Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section A, Line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Section B, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Section B, Line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990, Part VI, Section B, Line 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Form 990, Part VI, Section C, Line 19
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt05101916
IRS990/TotalAssetsEOYAmt05047350
IRS990/TotalAssetsGrp/BOYAmt05101916
IRS990/TotalAssetsGrp/EOYAmt05047350
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt03
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0484825
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt04174994
IRS990/TotalLiabilitiesEOYAmt04129074
IRS990/TotalLiabilitiesGrp/BOYAmt04174994
IRS990/TotalLiabilitiesGrp/EOYAmt04129074
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0926922
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0918276
IRS990/TotalOtherCompensationAmt00
IRS990/TotalOtherProgSrvcExpenseAmt00
IRS990/TotalOtherProgSrvcGrantAmt00
IRS990/TotalOtherProgSrvcRevenueAmt00
IRS990/TotalOthProgramServiceRevGrp/ExclusionAmt00
IRS990/TotalOthProgramServiceRevGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/TotalOthProgramServiceRevGrp/TotalRevenueColumnAmt00
IRS990/TotalOthProgramServiceRevGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalProgramServiceExpensesAmt00
IRS990/TotalProgramServiceRevenueAmt0427545
IRS990/TotalReportableCompFromOrgAmt053705
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0476179
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0476179
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt05
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt05101916
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt05047350
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/TotalAmt0593
IRS990/TypeOfOrganizationOtherInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/USAddress/AddressLine1Txt02306 N MAIN
IRS990/USAddress/CityNm0Hutchinson
IRS990/USAddress/StateAbbreviationCd0KS
IRS990/USAddress/ZIPCd067502
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt05
IRS990/WebsiteAddressTxt0HUTCHPCCU.COM
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/PersonNm0Rosa White
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0Manager
ReturnHeader/BusinessOfficerGrp/PhoneNum06206628050
ReturnHeader/BusinessOfficerGrp/SignatureDt02026-02-25
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0HUTCHINSON POSTAL & COMMUNITY CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0HUTC
ReturnHeader/Filer/EIN0480580158
ReturnHeader/Filer/PhoneNum06206628050
ReturnHeader/Filer/USAddress/AddressLine1Txt02306 N MAIN
ReturnHeader/Filer/USAddress/CityNm0HUTCHISON
ReturnHeader/Filer/USAddress/StateAbbreviationCd0KS
ReturnHeader/Filer/USAddress/ZIPCd067502
ReturnHeader/ReturnTs02026-02-25T16:24:13-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02025-01-01
ReturnHeader/TaxPeriodEndDt02025-12-31
ReturnHeader/TaxYr02025

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