BlastPoint's Credit Union Scorecard
KRAFTSMAN
Charter #14185 · VA
KRAFTSMAN has 4 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.67% above tier average
- + Net Interest Margin 0.22% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Net Worth Ratio: Top 7.6% in tier
Key Concerns
Areas that may need attention
- - Member decline: -4.8% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
457
-4.8% YoY-0.9% QoQ
|
-2.2K |
2,615
-1.9% YoY
|
222,299
+7.3% YoY
|
33,374
+5.7% YoY
|
Bottom 12.4% in tier |
| Assets |
$4.9M
-2.8% YoY-2.0% QoQ
|
$-25.2M |
$30.1M
+2.1% YoY
|
$2.9B
+9.9% YoY
|
$561.6M
+9.7% YoY
|
19% |
| Loans |
$1.4M
-5.5% YoY-7.1% QoQ
|
$-14.3M |
$15.8M
-1.3% YoY
|
$2.1B
+6.6% YoY
|
$397.0M
+8.8% YoY
|
Bottom 13.9% in tier |
| Deposits |
$3.5M
-5.2% YoY-3.1% QoQ
|
$-22.1M |
$25.7M
+1.4% YoY
|
$2.5B
+10.1% YoY
|
$477.3M
+9.7% YoY
|
18% |
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| ROA |
1.3%
+383.8% YoY+26.7% QoQ
|
+0.7% |
0.6%
+10.8% YoY
|
0.6%
+3.1% YoY
|
0.7%
+15.9% YoY
|
78% |
| NIM |
4.2%
+57.6% YoY+4.2% QoQ
|
+0.2% |
4.0%
+4.0% YoY
|
3.9%
+2.0% YoY
|
3.8%
+5.1% YoY
|
62% |
| Efficiency Ratio |
68.1%
-32.2% YoY-7.0% QoQ
|
-14.4% |
82.6%
-2.3% YoY
|
80.2%
-0.6% YoY
|
79.7%
-3.3% YoY
|
24% |
| Delinquency Rate |
0.0%
-100.0% YoY-100.0% QoQ
|
-1.6 |
1.6%
-3.1% YoY
|
1.4%
-11.9% YoY
|
1.3%
-2.1% YoY
|
Top 0.1% in tier |
| Loan To Share |
39.9%
-0.3% YoY-4.1% QoQ
|
-20.7% |
60.6%
-3.1% YoY
|
65.1%
-5.8% YoY
|
67.4%
-1.7% YoY
|
19% |
| AMR |
$10,832
-0.5% YoY-3.5% QoQ
|
$-4K |
$14,783
-1.4% YoY
|
$18,904
+2.4% YoY
|
$19,687
+2.0% YoY
|
32% |
| CD Concentration | 0.0% | -24.4% | 24.4% | 18.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.6% | 7.8% | 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)