BlastPoint's Credit Union Scorecard
ROME KRAFT EMPLOYEES
Charter #60707 · GA
ROME KRAFT EMPLOYEES has 5 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.79% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 5.8% in tier
- + Loan-to-Member Ratio (LMR): Top 9.9% in tier
- + Member Growth Rate: Top 9.9% in tier
Key Concerns
Areas that may need attention
- - Share Certificate Concentration (%): Bottom 4.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,744
+3.2% YoY+0.2% QoQ
|
-871 |
2,615
-1.9% YoY
|
30,943
+6.6% YoY
|
33,374
+5.7% YoY
|
46% |
| Assets |
$22.6M
+6.0% YoY+0.3% QoQ
|
$-7.5M |
$30.1M
+2.1% YoY
|
$501.1M
+9.5% YoY
|
$561.6M
+9.7% YoY
|
51% |
| Loans |
$16.6M
+5.1% YoY+1.6% QoQ
|
+$806K |
$15.8M
-1.3% YoY
|
$341.6M
+10.9% YoY
|
$397.0M
+8.8% YoY
|
64% |
| Deposits |
$17.2M
+6.0% YoY-0.0% QoQ
|
$-8.5M |
$25.7M
+1.4% YoY
|
$429.0M
+7.8% YoY
|
$477.3M
+9.7% YoY
|
48% |
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| ROA |
1.4%
+46.8% YoY+1.6% QoQ
|
+0.8% |
0.6%
+10.8% YoY
|
0.9%
+34.6% YoY
|
0.7%
+15.9% YoY
|
82% |
| NIM |
3.5%
+4.1% YoY+4.9% QoQ
|
-0.4% |
4.0%
+4.0% YoY
|
4.1%
+4.4% YoY
|
3.8%
+5.1% YoY
|
36% |
| Efficiency Ratio |
61.4%
-13.1% YoY+4.0% QoQ
|
-21.1% |
82.6%
-2.3% YoY
|
77.1%
-0.1% YoY
|
79.7%
-3.3% YoY
|
Bottom 13.1% in tier |
| Delinquency Rate |
0.2%
-72.6% YoY+3.3% QoQ
|
-1.4 |
1.6%
-3.1% YoY
|
1.2%
-6.4% YoY
|
1.3%
-2.1% YoY
|
25% |
| Loan To Share |
96.6%
-0.9% YoY+1.6% QoQ
|
+36.0% |
60.6%
-3.1% YoY
|
72.9%
+1.7% YoY
|
67.4%
-1.7% YoY
|
Top 5.9% in tier |
| AMR |
$19,336
+2.3% YoY+0.5% QoQ
|
+$5K |
$14,783
-1.4% YoY
|
$17,497
+5.6% YoY
|
$19,687
+2.0% YoY
|
76% |
| CD Concentration |
49.4%
+27.6% YoY+0.1% QoQ
|
+24.9% | 24.4% | 20.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 4.4% | 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)