BlastPoint's Credit Union Scorecard
KRAFTSMAN
Charter #14185 · VA
KRAFTSMAN has 4 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.65% above tier average
- + Net Interest Margin 0.26% above tier average
- + Net Charge-Off Rate: Top 1.5% in tier
- + Net Worth Ratio: Top 7.2% in tier
Key Concerns
Areas that may need attention
- - Member decline: -3.8% YoY
- - Loan Growth Rate: Bottom 6.9% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
455
-3.8% YoY-0.4% QoQ
|
-2.2K |
2,676
+1.6% YoY
|
224,534
+5.9% YoY
|
33,913
+5.7% YoY
|
Bottom 12.4% in tier |
| Assets |
$4.9M
+0.3% YoY-0.6% QoQ
|
$-25.3M |
$30.2M
+1.3% YoY
|
$3.0B
+7.5% YoY
|
$578.3M
+9.0% YoY
|
18% |
| Loans |
$1.2M
-19.3% YoY-11.6% QoQ
|
$-14.0M |
$15.3M
-2.0% YoY
|
$2.1B
+5.8% YoY
|
$402.4M
+8.7% YoY
|
Bottom 13.2% in tier |
| Deposits |
$3.5M
-1.0% YoY-1.1% QoQ
|
$-22.3M |
$25.8M
+0.7% YoY
|
$2.6B
+7.7% YoY
|
$494.3M
+9.1% YoY
|
17% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.8%
-26.7% YoY-38.6% QoQ
|
+0.6% |
0.1%
-77.6% YoY
|
0.3%
-55.0% YoY
|
0.4%
-39.2% YoY
|
60% |
| NIM |
4.3%
+3.7% YoY+2.2% QoQ
|
+0.3% |
4.0%
+4.0% YoY
|
4.0%
+3.3% YoY
|
3.8%
+4.1% YoY
|
70% |
| Efficiency Ratio |
81.5%
+10.0% YoY+19.7% QoQ
|
-9.1% |
90.6%
+6.5% YoY
|
81.9%
+0.2% YoY
|
84.6%
+2.8% YoY
|
50% |
| Delinquency Rate |
0.1%
-68.3% YoY
|
-1.4 |
1.5%
+3.8% YoY
|
1.4%
-2.1% YoY
|
1.2%
+3.4% YoY
|
19% |
| Loan To Share |
35.7%
-18.5% YoY-10.6% QoQ
|
-22.8% |
58.5%
-3.0% YoY
|
62.9%
-4.5% YoY
|
65.6%
-1.4% YoY
|
17% |
| AMR |
$10,431
-2.9% YoY-3.7% QoQ
|
$-4K |
$14,884
-1.7% YoY
|
$19,100
+3.1% YoY
|
$19,920
+1.6% YoY
|
31% |
| CD Concentration | 0.0% | -24.3% | 24.3% | 18.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.4% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)