BlastPoint's Credit Union Scorecard
KRAFTSMAN
Charter #14185 · VA
KRAFTSMAN has 3 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.08% above tier average
- + Net Charge-Off Rate: Top 1.6% in tier
- + Net Worth Ratio: Top 6.6% in tier
Key Concerns
Areas that may need attention
- - ROA 0.70% below tier average
- - Delinquency rate 3.02% above tier average
- - Member decline: -3.9% YoY
- - Loan Growth Rate: Bottom 3.9% in tier
- - Total Delinquency Rate (60+ days): Bottom 7.2% in tier
- - AMR Growth Rate: Bottom 9.2% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 49 that size in Virginia.
- Shares and deposits -6.7% year over year ($3.4M in shares and deposits).
- Membership: 446 members, -3.9% vs a year ago.
- Delinquency rate 4.57%.
- Return on assets 0.80%.
- Efficiency ratio 80.12% vs a 88.77% peer average.
- Loan-to-share ratio 34.04% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
446
-3.9% YoY-2.0% QoQ
|
-2.1K |
2,585
-1.7% YoY
|
226,164
+4.4% YoY
|
34,678
+6.6% YoY
|
Bottom 12.3% in tier |
| Assets |
$4.8M
-3.7% YoY-2.3% QoQ
|
$-25.5M |
$30.3M
+1.5% YoY
|
$3.0B
+6.1% YoY
|
$593.1M
+10.2% YoY
|
18% |
| Loans |
$1.1M
-25.2% YoY-8.2% QoQ
|
$-14.3M |
$15.5M
-1.7% YoY
|
$2.2B
+5.0% YoY
|
$418.6M
+10.1% YoY
|
Bottom 12.6% in tier |
| Deposits |
$3.4M
-6.7% YoY-3.7% QoQ
|
$-22.4M |
$25.8M
+1.1% YoY
|
$2.6B
+6.5% YoY
|
$504.8M
+10.3% YoY
|
17% |
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| ROA |
0.8%
-15.3% YoY+0.3% QoQ
|
-0.7% |
1.5%
+241.5% YoY
|
1.1%
+69.8% YoY
|
1.2%
+121.4% YoY
|
49% |
| NIM |
4.0%
+0.1% YoY-6.7% QoQ
|
+0.1% |
3.9%
+0.9% YoY
|
3.9%
+0.9% YoY
|
3.8%
+2.3% YoY
|
55% |
| Efficiency Ratio |
80.1%
+7.5% YoY-1.7% QoQ
|
-8.6% |
88.8%
-6.9% YoY
|
79.7%
-1.2% YoY
|
83.0%
-5.3% YoY
|
48% |
| Delinquency Rate |
4.6%
+2515.2% YoY+6908.2% QoQ
|
+3.0 |
1.5%
+2.1% YoY
|
1.5%
-1.1% YoY
|
1.3%
+2.6% YoY
|
Bottom 7.2% in tier |
| Loan To Share |
34.0%
-19.9% YoY-4.6% QoQ
|
-24.8% |
58.9%
-3.1% YoY
|
64.2%
-3.9% YoY
|
66.4%
-1.4% YoY
|
15% |
| AMR |
$10,121
-8.7% YoY-3.0% QoQ
|
$-5K |
$14,963
-6.8% YoY
|
$18,993
+1.8% YoY
|
$20,028
-0.9% YoY
|
29% |
| CD Concentration | 0.0% | -24.6% | 24.6% | 18.0% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 9.3% | 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)