BlastPoint's Credit Union Scorecard
KRAFTCOR
Charter #20891 · KY
KRAFTCOR has 1 strength but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.06% above tier average
Key Concerns
Areas that may need attention
- - ROA 1.38% below tier average
- - Efficiency ratio 13.49% above tier (higher cost structure)
- - Member decline: -12.1% YoY
- - Net Worth Ratio: Bottom 4.3% in tier
- - Member Growth Rate: Bottom 4.4% in tier
- - Net Charge-Off Rate: Bottom 9.6% 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 34 that size in Kentucky.
- Shares and deposits -6.3% year over year ($11.4M in shares and deposits).
- Membership: 1,157 members, -12.1% vs a year ago.
- Delinquency rate 1.01%.
- Return on assets 0.11%.
- Efficiency ratio 102.26% vs a 88.77% peer average.
- Loan-to-share ratio 51.91% 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 (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,157
-12.1% YoY0% QoQ
|
-1.4K |
2,585
-1.7% YoY
|
19,704
+8.5% YoY
|
34,678
+6.6% YoY
|
32% |
| Assets |
$12.4M
-6.1% YoY-0.8% QoQ
|
$-17.9M |
$30.3M
+1.5% YoY
|
$329.2M
+13.7% YoY
|
$593.1M
+10.2% YoY
|
36% |
| Loans |
$5.9M
-15.2% YoY-3.1% QoQ
|
$-9.5M |
$15.5M
-1.7% YoY
|
$234.8M
+15.2% YoY
|
$418.6M
+10.1% YoY
|
38% |
| Deposits |
$11.4M
-6.3% YoY-0.7% QoQ
|
$-14.4M |
$25.8M
+1.1% YoY
|
$276.9M
+13.5% YoY
|
$504.8M
+10.3% YoY
|
39% |
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| ROA |
0.1%
-111.5% YoY-107.7% QoQ
|
-1.4% |
1.5%
+241.5% YoY
|
1.2%
+141.8% YoY
|
1.2%
+121.4% YoY
|
Bottom 7.0% in tier |
| NIM |
4.0%
+5.6% YoY+34.0% QoQ
|
+0.1% |
3.9%
+0.9% YoY
|
3.7%
+2.3% YoY
|
3.8%
+2.3% YoY
|
54% |
| Efficiency Ratio |
102.3%
-6.8% YoY-25.3% QoQ
|
+13.5% |
88.8%
-6.9% YoY
|
83.2%
+1.5% YoY
|
83.0%
-5.3% YoY
|
Bottom 11.9% in tier |
| Delinquency Rate |
1.0%
+1.3% YoY-56.5% QoQ
|
-0.5 |
1.5%
+2.1% YoY
|
1.1%
+18.9% YoY
|
1.3%
+2.6% YoY
|
61% |
| Loan To Share |
51.9%
-9.6% YoY-2.4% QoQ
|
-7.0% |
58.9%
-3.1% YoY
|
64.3%
-0.2% YoY
|
66.4%
-1.4% YoY
|
40% |
| AMR |
$14,945
+3.0% YoY-1.5% QoQ
|
$-17 |
$14,963
-6.8% YoY
|
$17,761
+5.3% YoY
|
$20,028
-0.9% YoY
|
55% |
| CD Concentration |
1.3%
-80.1% YoY-64.3% QoQ
|
-23.2% | 24.6% | 23.1% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 7.6% | 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)