ROME KRAFT EMPLOYEES
Charter #60707 | GA
<100M
(2596 CUs)
Micro
($0-$500M)
43 <100M in GA
ROME KRAFT EMPLOYEES has 4 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.71% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 7.1% in tier
- + Member Growth Rate: Top 9.1% in tier
Key Concerns
Areas that may need attention
- - Share Certificate Concentration (%): Bottom 3.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,740
+3.8% YoY+1.1% QoQ
|
-885 |
2,625
-2.2% YoY
|
30,529
+3.7% YoY
|
33,089
+6.1% YoY
|
46th in tier |
| Assets |
$22.6M
+3.3% YoY-4.9% QoQ
|
$-7.3M |
$29.9M
+1.1% YoY
|
$489.5M
+5.8% YoY
|
$547.7M
+7.8% YoY
|
51st in tier |
| Loans |
$16.3M
+4.2% YoY+0.6% QoQ
|
+$539K |
$15.8M
-2.4% YoY
|
$335.0M
+9.2% YoY
|
$388.7M
+8.6% YoY
|
64th in tier |
| Deposits |
$17.2M
+2.6% YoY-6.9% QoQ
|
$-8.3M |
$25.5M
+0.4% YoY
|
$419.7M
+4.9% YoY
|
$464.6M
+9.3% YoY
|
49th in tier |
| ROA |
1.4%
+52.1% YoY+8.5% QoQ
|
+0.7% |
0.7%
-731.4% YoY
|
1.1%
+41.8% YoY
|
0.7%
+273.4% YoY
|
Top 23.2% in tier |
| NIM |
3.4%
+3.5% YoY-1.6% QoQ
|
-0.6% |
3.9%
+3.8% YoY
|
4.2%
+4.4% YoY
|
3.7%
+5.0% YoY
|
30th in tier |
| Efficiency Ratio |
59.1%
-14.9% YoY-4.2% QoQ
|
-22.3% |
81.4%
-2.4% YoY
|
76.7%
+1.1% YoY
|
79.1%
-3.3% YoY
|
Bottom 12.7% in tier |
| Delinquency Rate |
0.2%
-37.2% YoY-57.4% QoQ
|
-1.3 |
1.5%
-2.0% YoY
|
1.3%
+2.5% YoY
|
1.2%
-0.9% YoY
|
26th in tier |
| Loan To Share |
95.0%
+1.6% YoY+8.0% QoQ
|
+33.8% |
61.2%
-3.0% YoY
|
72.3%
+1.1% YoY
|
68.0%
-1.7% YoY
|
Top 7.3% in tier |
| AMR |
$19,234
-0.4% YoY-4.4% QoQ
|
+$5K |
$14,627
-2.7% YoY
|
$17,296
+4.1% YoY
|
$19,418
+1.3% YoY
|
Top 23.8% in tier |
| CD Concentration |
49.3%
+14.7% YoY+6.4% QoQ
|
+24.9% |
24.4%
+4.2% YoY
|
19.9%
+4.7% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
4.6%
+4.3% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (10 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
185
Loan-to-Share Ratio
balance_sheet
Value:
95.02%
Peer Avg: 61.23%
#185 of 2596
Top 7.1% in <100M tier
237
Member Growth Rate
growth
Value:
3.82%
Peer Avg: 14.92%
#237 of 2596
Top 9.1% in <100M tier
281
Loan-to-Member Ratio (LMR)
engagement
Value:
$9,372
Peer Avg: $5,488
#281 of 2596
Top 10.8% in <100M tier
328
Net Worth Ratio
risk
Value:
23.84%
Peer Avg: 16.43%
#328 of 2596
Top 12.6% in <100M tier
330
Efficiency Ratio
profitability
Value:
59.11%
Peer Avg: 81.39%
#330 of 2596
Top 12.7% in <100M tier
587
Members Per Employee (MPE)
engagement
Value:
435.000
Peer Avg: 365.701
#587 of 2596
Top 22.6% in <100M tier
591
Loan Growth Rate
growth
Value:
4.22%
Peer Avg: 59.01%
#591 of 2596
Top 22.7% in <100M tier
601
Return on Assets (ROA)
profitability
Value:
1.39%
Peer Avg: 0.68%
#601 of 2596
Top 23.1% in <100M tier
619
Average Member Relationship (AMR)
engagement
Value:
$19,234
Peer Avg: $14,627
#619 of 2596
Top 23.8% in <100M tier
Top Weaknesses (1 metrics)
2503
Share Certificate Concentration (%)
balance_sheet
Value:
49.33%
Peer Avg: 15.37%
#2503 of 2596
Bottom 3.6% in <100M tier