BlastPoint's Credit Union Scorecard
GEORGETOWN KRAFT
Charter #60791 · SC
GEORGETOWN KRAFT has 9 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 1.1% in tier
- + Organic Growth Engine: Top 1.8% in tier
- + Organic Growth Leader: Top 7.3% in tier
- + ROA 1.01% above tier average
- + Net Interest Margin 1.45% above tier average
- + Strong member growth: 9.3% YoY
- + Member Growth Rate: Top 3.8% in tier
- + Net Worth Ratio: Top 5.1% in tier
- + Fee Income Per Member: Top 7.7% in tier
Key Concerns
Areas that may need attention
- - Shrinking Wallet Share: Bottom 10.1% in tier
- - Credit Quality Pressure: Bottom 41.3% in tier
- - Liquidity Overhang: Bottom 46.3% in tier
- - Delinquency rate 0.06% above tier average
- - AMR Growth Rate: Bottom 1.7% in tier
- - Average Member Relationship (AMR): Bottom 7.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
18,224
+9.3% YoY+6.0% QoQ
|
+2.8K |
15,437
-2.9% YoY
|
37,100
+2.2% YoY
|
33,374
+5.7% YoY
|
70% |
| Assets |
$188.2M
+4.3% YoY+0.5% QoQ
|
$-43.6M |
$231.9M
+1.3% YoY
|
$523.8M
+6.7% YoY
|
$561.6M
+9.7% YoY
|
47% |
| Loans |
$110.0M
-2.7% YoY-1.0% QoQ
|
$-37.4M |
$147.3M
-0.1% YoY
|
$367.9M
+7.3% YoY
|
$397.0M
+8.8% YoY
|
42% |
| Deposits |
$153.3M
+2.4% YoY-0.0% QoQ
|
$-47.5M |
$200.8M
+0.8% YoY
|
$439.0M
+5.8% YoY
|
$477.3M
+9.7% YoY
|
43% |
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| ROA |
1.8%
-3.9% YoY-2.4% QoQ
|
+1.0% |
0.8%
+18.2% YoY
|
1.0%
+5.1% YoY
|
0.7%
+15.9% YoY
|
Top 4.7% in tier |
| NIM |
5.1%
+5.0% YoY+0.6% QoQ
|
+1.5% |
3.6%
+6.7% YoY
|
4.2%
+0.5% YoY
|
3.8%
+5.1% YoY
|
Top 2.5% in tier |
| Efficiency Ratio |
70.9%
+3.1% YoY-0.6% QoQ
|
-6.2% |
77.0%
-3.1% YoY
|
76.9%
-0.6% YoY
|
79.7%
-3.3% YoY
|
28% |
| Delinquency Rate |
1.0%
+36.8% YoY+6.0% QoQ
|
+0.1 |
0.9%
+4.2% YoY
|
1.0%
+13.3% YoY
|
1.3%
-2.1% YoY
|
66% |
| Loan To Share |
71.7%
-5.0% YoY-1.0% QoQ
|
-0.5% |
72.2%
-1.1% YoY
|
71.5%
-0.9% YoY
|
67.4%
-1.7% YoY
|
45% |
| AMR |
$14,448
-8.3% YoY-6.1% QoQ
|
$-10K |
$24,676
+3.4% YoY
|
$16,782
+2.9% YoY
|
$19,687
+2.0% YoY
|
Bottom 7.7% in tier |
| CD Concentration |
15.5%
-6.0% YoY-0.1% QoQ
|
-8.9% | 24.4% | 17.8% | 19.8% | 50% |
| Indirect Auto % |
7.8%
+16.2% YoY+1.7% QoQ
|
-6.0% | 13.8% | 5.9% | 7.8% | 50% |
Signature Analysis
Strengths (3)
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Concerns (3)
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
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)