BlastPoint's Credit Union Scorecard
KRAFTCOR
Charter #20891 · KY
KRAFTCOR has 3 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.11% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 2.3% in tier
Key Concerns
Areas that may need attention
- - ROA 1.18% below tier average
- - Efficiency ratio 18.12% above tier (higher cost structure)
- - Member decline: -8.8% YoY
- - Net Worth Ratio: Bottom 5.4% in tier
- - Asset Growth Rate: Bottom 5.8% in tier
- - Member Growth Rate: Bottom 7.4% in tier
- - Deposit Growth Rate: Bottom 8.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,249
-8.8% YoY-5.2% QoQ
|
-1.4K |
2,625
-2.2% YoY
|
18,350
+6.5% YoY
|
33,089
+6.1% YoY
|
35% |
| Assets |
$12.8M
-9.5% YoY-3.6% QoQ
|
$-17.1M |
$29.9M
+1.1% YoY
|
$291.9M
+10.4% YoY
|
$547.7M
+7.8% YoY
|
38% |
| Loans |
$6.7M
-11.1% YoY-4.3% QoQ
|
$-9.1M |
$15.8M
-2.4% YoY
|
$208.5M
+10.3% YoY
|
$388.7M
+8.6% YoY
|
40% |
| Deposits |
$11.7M
-8.7% YoY-3.8% QoQ
|
$-13.8M |
$25.5M
+0.4% YoY
|
$245.3M
+10.3% YoY
|
$464.6M
+9.3% YoY
|
40% |
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 |
-0.5%
-60.2% YoY-47.9% QoQ
|
-1.2% |
0.7%
-731.4% YoY
|
0.2%
-216.5% YoY
|
0.7%
+273.4% YoY
|
Bottom 8.9% in tier |
| NIM |
4.0%
+26.0% YoY+7.7% QoQ
|
+0.1% |
3.9%
+3.8% YoY
|
3.6%
+4.6% YoY
|
3.7%
+5.0% YoY
|
56% |
| Efficiency Ratio |
99.5%
-18.9% YoY-9.3% QoQ
|
+18.1% |
81.4%
-2.4% YoY
|
85.0%
-21.4% YoY
|
79.1%
-3.3% YoY
|
Top 11.6% in tier |
| Delinquency Rate |
0.2%
-65.6% YoY-76.9% QoQ
|
-1.3 |
1.5%
-2.0% YoY
|
0.8%
-26.3% YoY
|
1.2%
-0.9% YoY
|
29% |
| Loan To Share |
57.1%
-2.6% YoY-0.5% QoQ
|
-4.1% |
61.2%
-3.0% YoY
|
65.5%
-4.4% YoY
|
68.0%
-1.7% YoY
|
44% |
| AMR |
$14,693
-0.9% YoY+1.2% QoQ
|
+$66 |
$14,627
-2.7% YoY
|
$16,917
+3.2% YoY
|
$19,418
+1.3% YoY
|
56% |
| CD Concentration |
6.5%
-36.2% YoY-1.3% QoQ
|
-17.9% |
24.4%
+4.2% YoY
|
22.1%
-0.3% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
7.8%
-3.4% YoY
|
7.9%
-2.9% YoY
|
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)