BlastPoint's Credit Union Scorecard
GEORGETOWN KRAFT
Charter #60791 · SC
GEORGETOWN KRAFT has 8 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 5.3% in tier
- + Organic Growth Leader: Top 14.0% in tier
- + Profitability Leader: Top 18.9% in tier
- + Emerging Performer: Top 20.5% in tier
- + ROA 1.03% above tier average
- + Net Interest Margin 1.44% above tier average
- + Net Worth Ratio: Top 5.2% in tier
- + Fee Income Per Member: Top 6.3% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 12.1% in tier
- - Shrinking Wallet Share: Bottom 13.2% in tier
- - Liquidity Overhang: Bottom 45.9% in tier
- - Delinquency rate 0.04% above tier average
- - AMR Growth Rate: Bottom 9.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
17,191
+2.9% YoY+1.2% QoQ
|
+1.6K |
15,628
-3.4% YoY
|
37,124
+2.2% YoY
|
33,089
+6.1% YoY
|
65% |
| Assets |
$187.3M
+4.3% YoY-0.7% QoQ
|
$-44.0M |
$231.3M
-0.0% YoY
|
$514.3M
+4.6% YoY
|
$547.7M
+7.8% YoY
|
47% |
| Loans |
$111.1M
-1.5% YoY-0.3% QoQ
|
$-36.7M |
$147.8M
-1.4% YoY
|
$362.8M
+7.0% YoY
|
$388.7M
+8.6% YoY
|
42% |
| Deposits |
$153.4M
+1.7% YoY-0.6% QoQ
|
$-46.9M |
$200.3M
-0.0% YoY
|
$433.3M
+6.0% YoY
|
$464.6M
+9.3% YoY
|
42% |
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| ROA |
1.8%
-1.3% YoY-8.8% QoQ
|
+1.0% |
0.8%
+15.5% YoY
|
1.2%
+18.8% YoY
|
0.7%
+273.4% YoY
|
Top 5.4% in tier |
| NIM |
5.0%
+4.2% YoY+1.6% QoQ
|
+1.4% |
3.6%
+6.9% YoY
|
4.3%
+2.6% YoY
|
3.7%
+5.0% YoY
|
Top 2.5% in tier |
| Efficiency Ratio |
71.2%
+3.9% YoY+2.4% QoQ
|
-6.0% |
77.3%
-3.0% YoY
|
75.1%
-1.9% YoY
|
79.1%
-3.3% YoY
|
29% |
| Delinquency Rate |
0.9%
+39.0% YoY-17.0% QoQ
|
+0.0 |
0.9%
+7.6% YoY
|
0.9%
+10.3% YoY
|
1.2%
-0.9% YoY
|
66% |
| Loan To Share |
72.4%
-3.2% YoY+0.4% QoQ
|
-0.3% |
72.7%
-1.5% YoY
|
71.3%
-1.2% YoY
|
68.0%
-1.7% YoY
|
46% |
| AMR |
$15,382
-2.5% YoY-1.7% QoQ
|
$-9K |
$24,363
+2.9% YoY
|
$16,641
+2.9% YoY
|
$19,418
+1.3% YoY
|
Bottom 11.4% in tier |
| CD Concentration |
15.5%
-6.6% YoY+0.7% QoQ
|
-8.9% |
24.4%
+4.2% YoY
|
17.4%
+3.6% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
7.6%
+19.4% YoY-1.8% QoQ
|
-6.3% |
14.0%
-5.7% YoY
|
5.9%
-5.3% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (4)
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.
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (3)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Liquidity Overhang
riskVery high net worth ratio (>12%). Strong capital position may indicate 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)