BlastPoint's Credit Union Scorecard
KRAFTCOR
Charter #20891 · KY
KRAFTCOR has 2 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.35% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 1.19% below tier average
- - Efficiency ratio 20.39% above tier (higher cost structure)
- - Member decline: -12.2% YoY
- - Member Growth Rate: Bottom 4.0% in tier
- - Net Worth Ratio: Bottom 4.7% in tier
- - Loan Growth Rate: Bottom 9.3% in tier
- - Asset Growth Rate: Bottom 10.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,184
-12.2% YoY-5.2% QoQ
|
-1.4K |
2,615
-1.9% YoY
|
18,352
+6.1% YoY
|
33,374
+5.7% YoY
|
33% |
| Assets |
$12.3M
-6.4% YoY-3.3% QoQ
|
$-17.8M |
$30.1M
+2.1% YoY
|
$297.6M
+11.0% YoY
|
$561.6M
+9.7% YoY
|
36% |
| Loans |
$6.2M
-15.8% YoY-7.5% QoQ
|
$-9.6M |
$15.8M
-1.3% YoY
|
$214.0M
+12.0% YoY
|
$397.0M
+8.8% YoY
|
38% |
| Deposits |
$11.3M
-6.5% YoY-3.4% QoQ
|
$-14.4M |
$25.7M
+1.4% YoY
|
$249.6M
+10.9% YoY
|
$477.3M
+9.7% YoY
|
39% |
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| ROA |
-0.6%
-60.5% YoY+13.9% QoQ
|
-1.2% |
0.6%
+10.8% YoY
|
0.3%
-193.7% YoY
|
0.7%
+15.9% YoY
|
Bottom 8.3% in tier |
| NIM |
4.3%
+24.3% YoY+6.5% QoQ
|
+0.4% |
4.0%
+4.0% YoY
|
3.7%
-0.4% YoY
|
3.8%
+5.1% YoY
|
67% |
| Efficiency Ratio |
103.0%
-19.3% YoY+3.5% QoQ
|
+20.4% |
82.6%
-2.3% YoY
|
85.5%
-17.8% YoY
|
79.7%
-3.3% YoY
|
Top 9.4% in tier |
| Delinquency Rate |
0.4%
-43.2% YoY+63.1% QoQ
|
-1.2 |
1.6%
-3.1% YoY
|
1.1%
-5.8% YoY
|
1.3%
-2.1% YoY
|
35% |
| Loan To Share |
54.7%
-9.9% YoY-4.2% QoQ
|
-5.9% |
60.6%
-3.1% YoY
|
65.9%
-3.9% YoY
|
67.4%
-1.7% YoY
|
41% |
| AMR |
$14,742
+2.5% YoY+0.3% QoQ
|
$-41 |
$14,783
-1.4% YoY
|
$17,204
+6.4% YoY
|
$19,687
+2.0% YoY
|
55% |
| CD Concentration |
6.3%
-27.9% YoY-3.3% QoQ
|
-18.1% | 24.4% | 22.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.7% | 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)