KINETIC

Charter #10866 | GA

500M-750M (169 CUs) Community (281 CUs)
4 500M-750M in GA

KINETIC has 8 strengths but faces 9 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 10.1% in tier
  • + Relationship Depth Leader: Top 17.3% in tier
  • + ROA 1.04% above tier average
  • + Net Interest Margin 0.76% above tier average
  • + First Mortgage Concentration (%): Top 3.6% in tier
  • + Efficiency Ratio: Top 5.9% in tier
  • + Net Worth Ratio: Top 8.3% in tier
  • + Asset Growth Rate: Top 9.5% in tier

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 0.1% in tier
  • - Stagnation Risk: Bottom 11.6% in tier
  • - Credit Quality Pressure: Bottom 13.5% in tier
  • - Liquidity Overhang: Bottom 19.1% in tier
  • - Growth-at-Risk: Bottom 24.6% in tier
  • - Membership Headwinds: Bottom 26.6% in tier
  • - Delinquency rate 0.90% above tier average
  • - Indirect Auto Concentration (%): Bottom 4.1% in tier
  • - Total Delinquency Rate (60+ days): Bottom 9.5% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Members 45,104
-1.2% YoY-0.5% QoQ
 +5.4K 39,752
-2.7% YoY
 30,529
+3.7% YoY
 33,089
+6.1% YoY
 70th in tier
Assets $627.5M
+10.6% YoY+2.0% QoQ
 +$5.1M $622.4M
+0.3% YoY
 $489.5M
+5.8% YoY
 $547.7M
+7.8% YoY
 51st in tier
Loans $430.3M
+0.6% YoY-0.1% QoQ
 $-5.6M $435.9M
-0.4% YoY
 $335.0M
+9.2% YoY
 $388.7M
+8.6% YoY
 46th in tier
Deposits $534.8M
+10.1% YoY+1.6% QoQ
 $-3.2M $538.0M
+1.3% YoY
 $419.7M
+4.9% YoY
 $464.6M
+9.3% YoY
 48th in tier
ROA 1.7%
+0.6% YoY+4.2% QoQ
 +1.0% 0.7%
+33.9% YoY
 1.1%
+41.8% YoY
 0.7%
+273.4% YoY
 Top 4.7% in tier
NIM 4.2%
+0.4% YoY-0.9% QoQ
 +0.8% 3.4%
+8.6% YoY
 4.2%
+4.4% YoY
 3.7%
+5.0% YoY
 Top 8.9% in tier
Efficiency Ratio 62.2%
-2.6% YoY-0.1% QoQ
 -15.8% 78.1%
-3.4% YoY
 76.7%
+1.1% YoY
 79.1%
-3.3% YoY
 Bottom 5.9% in tier
Delinquency Rate 1.7%
+15.2% YoY+10.8% QoQ
 +0.9 0.8%
-4.9% YoY
 1.3%
+2.5% YoY
 1.2%
-0.9% YoY
 Top 9.5% in tier
Loan To Share 80.5%
-8.6% YoY-1.7% QoQ
 -0.6% 81.0%
-1.8% YoY
 72.3%
+1.1% YoY
 68.0%
-1.7% YoY
 43rd in tier
AMR $21,398
+7.0% YoY+1.3% QoQ
 $-5K $26,482
+2.6% YoY
 $17,296
+4.1% YoY
 $19,418
+1.3% YoY
 Bottom 23.1% in tier
CD Concentration 31.4%
+18.2% YoY+4.8% QoQ
 +7.0% 24.4%
+4.2% YoY
 19.9%
+4.7% YoY
 19.6%
+6.2% YoY
 74th in tier
Indirect Auto % 48.3%
-4.4% YoY-2.9% QoQ
 +34.3% 14.0%
-5.8% YoY
 4.6%
+4.3% YoY
 7.9%
-2.9% YoY
 Top 4.0% in tier

Signature Analysis

Strengths (2)

Wallet Share Momentum

growth
#279 of 1006 • Top 10.1% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 7.01%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank improving

Relationship Depth Leader

growth
#478 of 1006 • Top 17.3% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 7.01%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.2K
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank improving

Concerns (6)

Indirect Auto Dependency

risk
#2 of 525 • Bottom 0.1% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 10.62%
(Tier: 4.61%, National: 3.04%)
but better than tier avg
Indirect Auto %: 48.28%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): -1.23%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
525 of 281 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | Rank improving

Stagnation Risk

risk
#192 of 550 • Bottom 11.6% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 1.69%
(Tier: 0.77%, National: 0.71%)
but better than tier avg
Member Growth (YoY): -1.23%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $21.4K
(Tier: $25.0K, National: $19.4K)
worse than tier avg
CD Concentration: 31.41%
(Tier: 24.41%, National: 19.60%)
worse than tier avg
550 of 281 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Credit Quality Pressure

risk
#334 of 736 • Bottom 13.5% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.22% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 281 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | Rank worsening

Liquidity Overhang

risk
#296 of 552 • Bottom 19.1% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 14.63%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 80.46%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
552 of 281 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY | Rank improving

Growth-at-Risk

risk
#369 of 446 • Bottom 24.6% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 0.65%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
Delinquency Change (YoY): 0.22% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
446 of 281 Community CUs have this signature | 646 nationally
↓ Shrinking -77 CUs YoY | Rank worsening

Membership Headwinds

decline
#439 of 550 • Bottom 26.6% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -1.23%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 281 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Comparing against 169 peers in tier

Top Strengths (9 metrics)

7
First Mortgage Concentration (%)
balance_sheet
Value: 10.23%
Peer Avg: 33.53%
#7 of 169 Top 3.6% in 500M-750M tier
8
Return on Assets (ROA)
profitability
Value: 1.69%
Peer Avg: 0.66%
#8 of 169 Top 4.1% in 500M-750M tier
11
Efficiency Ratio
profitability
Value: 62.25%
Peer Avg: 78.10%
#11 of 169 Top 5.9% in 500M-750M tier
15
Net Interest Margin (NIM)
profitability
Value: 4.19%
Peer Avg: 3.43%
#15 of 169 Top 8.3% in 500M-750M tier
15
Net Worth Ratio
risk
Value: 14.63%
Peer Avg: 10.94%
#15 of 169 Top 8.3% in 500M-750M tier
17
Asset Growth Rate
growth
Value: 10.62%
Peer Avg: 4.33%
#17 of 169 Top 9.5% in 500M-750M tier
25
Deposit Growth Rate
growth
Value: 10.14%
Peer Avg: 5.25%
#25 of 169 Top 14.2% in 500M-750M tier
28
Fee Income Per Member
profitability
Value: $281.09
Peer Avg: $199.27
#28 of 169 Top 16.0% in 500M-750M tier
33
AMR Growth Rate
growth
Value: 7.01%
Peer Avg: 3.12%
#33 of 169 Top 18.9% in 500M-750M tier

Top Weaknesses (4 metrics)

163
Indirect Auto Concentration (%)
balance_sheet
Value: 48.28%
Peer Avg: 16.19%
#163 of 169 Bottom 4.1% in 500M-750M tier
154
Total Delinquency Rate (60+ days)
risk
Value: 1.70%
Peer Avg: 0.80%
#154 of 169 Bottom 9.5% in 500M-750M tier
145
Net Charge-Off Rate
risk
Value: 0.95%
Peer Avg: 0.51%
#145 of 169 Bottom 14.8% in 500M-750M tier
130
Average Member Relationship (AMR)
engagement
Value: $21,398
Peer Avg: $26,482
#130 of 169 Bottom 23.7% in 500M-750M tier