BlastPoint's Credit Union Scorecard
ROME KRAFT EMPLOYEES
Charter #60707 · GA
ROME KRAFT EMPLOYEES has 4 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.80% above tier average
- + Loan-to-Share Ratio: Top 4.0% in tier
- + Efficiency Ratio: Top 6.5% in tier
- + Loan-to-Member Ratio (LMR): Top 9.3% in tier
Key Concerns
Areas that may need attention
- - Share Certificate Concentration (%): Bottom 4.1% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,751
+2.9% YoY+0.4% QoQ
|
-925 |
2,676
+1.6% YoY
|
31,952
+7.2% YoY
|
33,913
+5.7% YoY
|
46% |
| Assets |
$22.8M
+5.0% YoY+1.0% QoQ
|
$-7.3M |
$30.2M
+1.3% YoY
|
$522.8M
+8.6% YoY
|
$578.3M
+9.0% YoY
|
51% |
| Loans |
$16.8M
+7.2% YoY+1.6% QoQ
|
+$1.5M |
$15.3M
-2.0% YoY
|
$353.5M
+11.3% YoY
|
$402.4M
+8.7% YoY
|
65% |
| Deposits |
$17.3M
+4.5% YoY+0.6% QoQ
|
$-8.5M |
$25.8M
+0.7% YoY
|
$449.3M
+7.5% YoY
|
$494.3M
+9.1% YoY
|
48% |
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 |
1.9%
+63.8% YoY+38.1% QoQ
|
+1.8% |
0.1%
-77.6% YoY
|
-0.2%
-137.4% YoY
|
0.4%
-39.2% YoY
|
Top 7.3% in tier |
| NIM |
3.8%
+1.2% YoY+6.5% QoQ
|
-0.2% |
4.0%
+4.0% YoY
|
3.6%
-10.9% YoY
|
3.8%
+4.1% YoY
|
48% |
| Efficiency Ratio |
53.4%
-19.9% YoY-13.1% QoQ
|
-37.2% |
90.6%
+6.5% YoY
|
81.8%
+0.6% YoY
|
84.6%
+2.8% YoY
|
Top 6.5% in tier |
| Delinquency Rate |
0.2%
-50.8% YoY+10.7% QoQ
|
-1.3 |
1.5%
+3.8% YoY
|
1.7%
+76.5% YoY
|
1.2%
+3.4% YoY
|
29% |
| Loan To Share |
97.5%
+2.6% YoY+0.9% QoQ
|
+39.0% |
58.5%
-3.0% YoY
|
70.0%
+1.3% YoY
|
65.6%
-1.4% YoY
|
Top 4.1% in tier |
| AMR |
$19,467
+2.8% YoY+0.7% QoQ
|
+$5K |
$14,884
-1.7% YoY
|
$17,441
+2.7% YoY
|
$19,920
+1.6% YoY
|
76% |
| CD Concentration |
48.8%
+25.1% YoY-1.1% QoQ
|
+24.5% | 24.3% | 20.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 4.3% | 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)