BlastPoint's Credit Union Scorecard

GEORGETOWN KRAFT

Charter #60791 · SC

100M-500M

1070 CUs in 100M-500M nationally 9 in SC

GEORGETOWN KRAFT has 8 strengths but faces 7 concerns

National Analysis

How does the industry compare?

SC Analysis

How does SC stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Leader: Top 50.0% in tier
+ Emerging Performer: Top 50.0% in tier
+ Organic Growth Engine: Top 50.0% in tier
+ ROA 0.53% above tier average
+ Net Interest Margin 1.21% above tier average
+ Strong member growth: 10.1% YoY
+ Member Growth Rate: Top 4.4% in tier
+ Net Worth Ratio: Top 5.2% in tier

Key Concerns

Areas that may need attention

- Shrinking Wallet Share: Bottom 50.0% in tier
- Margin Compression: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Liquidity Overhang: Bottom 50.0% in tier
- Delinquency rate 0.19% above tier average
- AMR Growth Rate: Bottom 2.0% in tier
- Average Member Relationship (AMR): Bottom 7.9% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (SC)	National Avg	Tier Percentile
Members	18,296 +10.1% YoY+0.4% QoQ	+3.2K	15,145 -2.5% YoY	37,268 +3.6% YoY	33,913 +5.7% YoY	71%
Assets	$193.6M +3.0% YoY+2.8% QoQ	$-38.1M	$231.7M +0.8% YoY	$534.3M +6.5% YoY	$578.3M +9.0% YoY	49%
Loans	$109.7M -2.4% YoY-0.3% QoQ	$-34.5M	$144.1M +0.2% YoY	$369.7M +7.8% YoY	$402.4M +8.7% YoY	43%
Deposits	$157.6M +0.7% YoY+2.8% QoQ	$-43.6M	$201.1M +0.4% YoY	$450.9M +6.0% YoY	$494.3M +9.1% YoY	44%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	1.3% -34.8% YoY-29.0% QoQ	+0.5%	0.7% +5.1% YoY	0.7% -43.3% YoY	0.4% -39.2% YoY	82%
NIM	4.8% -1.3% YoY-4.3% QoQ	+1.2%	3.6% +4.6% YoY	4.1% -0.5% YoY	3.8% +4.1% YoY	Top 4.2% in tier
Efficiency Ratio	73.9% +6.7% YoY+4.3% QoQ	-4.1%	78.0% -1.7% YoY	81.4% +7.0% YoY	84.6% +2.8% YoY	34%
Delinquency Rate	1.0% +68.8% YoY+0.5% QoQ	+0.2	0.8% +7.1% YoY	0.8% +19.1% YoY	1.2% +3.4% YoY	74%
Loan To Share	69.6% -3.1% YoY-3.0% QoQ	-0.8%	70.4% -0.4% YoY	69.5% -0.5% YoY	65.6% -1.4% YoY	45%
AMR	$14,607 -9.7% YoY+1.1% QoQ	$-10K	$24,918 +2.7% YoY	$16,971 +2.3% YoY	$19,920 +1.6% YoY	Bottom 7.8% in tier
CD Concentration	15.2% -4.7% YoY-1.8% QoQ	-9.0%	24.3%	18.0%	19.8%	50%
Indirect Auto %	7.9% +10.4% YoY+2.2% QoQ	-5.9%	13.8%	5.9%	7.7%	50%

Signature Analysis

Strengths (3)

Organic Growth Leader

growth

#31 of 371 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 10.14%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 7.94%

(Tier: 13.80%, National: 7.73%)

better than tier avg

371 of 1070 Mid-Small & Community CUs have this signature | 518 nationally

→ No prior data (371 CUs now) | New qualifier

Emerging Performer

growth

#16 of 157 • Top 50.0% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 1.26%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Member Growth (YoY): 10.14%

(Tier: 0.72%, National: 10.19%)

better than tier avg

157 of 1070 Mid-Small & Community CUs have this signature | 260 nationally

→ No prior data (157 CUs now) | New qualifier

Organic Growth Engine

growth

#43 of 352 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 10.14%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Return on Assets: 1.26%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Indirect Auto %: 7.94%

(Tier: 13.80%, National: 7.73%)

better than tier avg

352 of 1070 Mid-Small & Community CUs have this signature | 499 nationally

→ No prior data (352 CUs now) | New qualifier

Concerns (4)

Shrinking Wallet Share

decline

#22 of 238 • Bottom 50.0% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -9.72%

(Tier: 3.74%, National: 6.36%)

worse than tier avg

238 of 1070 Mid-Small & Community CUs have this signature | 335 nationally

↓ Shrinking -109 CUs YoY | New qualifier

Margin Compression

decline

#15 of 133 • Bottom 50.0% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 1.26%

(Tier: 0.72%, National: 0.39%)

but better than tier avg

ROA (Prior Year): 1.94%

(Tier: 0.67%, National: 0.75%)

but better than tier avg

ROA Change (YoY): -0.67% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

133 of 1070 Mid-Small & Community CUs have this signature | 162 nationally

→ No prior data (133 CUs now) | New qualifier

Credit Quality Pressure

risk

#170 of 727 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.39% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | Rank improving

Liquidity Overhang

risk

#65 of 126 • Bottom 50.0% in tier

Exceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.

Why This Signature

Net Worth Ratio: 18.04%

(Tier: 11.91%, National: 14.35%)

but better than tier avg

Loan-to-Share Ratio: 69.61%

(Tier: 72.31%, National: 65.58%)

worse than tier avg

126 of 1070 Mid-Small & Community CUs have this signature | 143 nationally

↑ Growing +19 CUs YoY | Rank improving

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)

Compare against:

Comparing against 1070 peers in tier

Top Strengths (7 metrics)

Net Interest Margin (NIM)

profitability

Value: 4.84%

Peer Median: 3.62%

#45 of 1070 Top 4.1% in 100M-500M tier

Member Growth Rate

growth

Value: 10.14%

Peer Median: -0.06%

#48 of 1070 Top 4.4% in 100M-500M tier

Net Worth Ratio

risk

Value: 18.04%

Peer Median: 11.45%

#57 of 1070 Top 5.2% in 100M-500M tier

Fee Income Per Member

profitability

Value: $263.28

Peer Median: $154.95

#93 of 1070 Top 8.6% in 100M-500M tier

174

First Mortgage Concentration (%)

balance_sheet

Value: 12.64%

Peer Median: 29.47%

#174 of 1070 Top 16.2% in 100M-500M tier

196

Return on Assets (ROA)

profitability

Value: 1.26%

Peer Median: 0.69%

#196 of 1070 Top 18.2% in 100M-500M tier

249

Share Certificate Concentration (%)

balance_sheet

Value: 15.24%

Peer Median: 23.10%

#249 of 1070 Top 23.2% in 100M-500M tier

Top Weaknesses (6 metrics)

1050

AMR Growth Rate

growth

Value: -9.72%

Peer Median: 3.46%

#1050 of 1070 Bottom 2.0% in 100M-500M tier

987

Average Member Relationship (AMR)

engagement

Value: $14,607

Peer Median: $22,931

#987 of 1070 Bottom 7.9% in 100M-500M tier

925

Loan-to-Member Ratio (LMR)

engagement

Value: $5,995

Peer Median: $9,356

#925 of 1070 Bottom 13.6% in 100M-500M tier

892

Members Per Employee (MPE)

engagement

Value: 243.947

Peer Median: 309.176

#892 of 1070 Bottom 16.7% in 100M-500M tier

874

Net Charge-Off Rate

risk

Value: 0.76%

Peer Median: 0.35%

#874 of 1070 Bottom 18.4% in 100M-500M tier

858

Loan Growth Rate

growth

Value: -2.38%

Peer Median: 2.93%

#858 of 1070 Bottom 19.9% in 100M-500M tier