GEORGETOWN KRAFT

Charter #60791 | SC

100M-500M (1077 CUs) Micro
10 100M-500M in SC

GEORGETOWN KRAFT has 7 strengths but faces 5 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Emerging Performer: Top 1.8% in tier
  • + Organic Growth Engine: Top 5.3% in tier
  • + Organic Growth Leader: Top 14.0% 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

  • - Liquidity Overhang: Bottom 6.5% in tier
  • - Credit Quality Pressure: Bottom 12.1% in tier
  • - Shrinking Wallet Share: Bottom 13.2% 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
 65th in tier
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
 47th in tier
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
 42nd in tier
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
 42nd in tier
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
 29th in tier
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
 66th in tier
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
 46th in tier
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
 50th in tier
Indirect Auto % 7.6%
+19.4% YoY-1.8% QoQ
 -6.3% 14.0%
-5.8% YoY
 5.9%
-5.3% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (3)

Emerging Performer

growth
#34 of 627 • Top 1.8% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 1.82%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Member Growth (YoY): 2.87%
(Tier: 0.88%, National: 9.37%)
better than tier avg
627 of 1077 Community CUs have this signature | 852 nationally
↑ Growing +13 CUs YoY | Rank worsening

Organic Growth Engine

growth
#98 of 603 • Top 5.3% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 2.87%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 1.82%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Indirect Auto %: 7.63%
(Tier: 13.96%, National: 7.90%)
better than tier avg
603 of 1077 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | Rank improving

Organic Growth Leader

growth
#185 of 430 • Top 14.0% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 2.87%
(Tier: 0.88%, National: 9.37%)
better than tier avg
430 of 1077 Community CUs have this signature | 608 nationally
↓ Shrinking -21 CUs YoY | Rank improving

Concerns (3)

Liquidity Overhang

risk
#102 of 552 • Bottom 6.5% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 17.96%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 72.43%
(Tier: 74.56%, National: 67.96%)
worse than tier avg
552 of 1077 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY

Credit Quality Pressure

risk
#301 of 736 • Bottom 12.1% in tier

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

Why This Signature
Delinquency Change (YoY): 0.25% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 1077 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | Rank improving

Shrinking Wallet Share

decline
#132 of 244 • Bottom 13.2% in tier

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

Why This Signature
AMR Growth (YoY): -2.48%
(Tier: 3.68%, National: 4.19%)
worse than tier avg
244 of 1077 Community CUs have this signature | 346 nationally
↓ Shrinking -221 CUs YoY | New qualifier

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)

Comparing against 1077 peers in tier

Top Strengths (7 metrics)

27
Net Interest Margin (NIM)
profitability
Value: 5.02%
Peer Avg: 3.58%
#27 of 1077 Top 2.4% in 100M-500M tier
57
Net Worth Ratio
risk
Value: 17.96%
Peer Avg: 12.15%
#57 of 1077 Top 5.2% in 100M-500M tier
58
Return on Assets (ROA)
profitability
Value: 1.82%
Peer Avg: 0.79%
#58 of 1077 Top 5.3% in 100M-500M tier
69
Fee Income Per Member
profitability
Value: $292.72
Peer Avg: $174.31
#69 of 1077 Top 6.3% in 100M-500M tier
158
First Mortgage Concentration (%)
balance_sheet
Value: 11.58%
Peer Avg: 30.43%
#158 of 1077 Top 14.6% in 100M-500M tier
226
Member Growth Rate
growth
Value: 2.87%
Peer Avg: 0.72%
#226 of 1077 Top 20.9% in 100M-500M tier
259
Share Certificate Concentration (%)
balance_sheet
Value: 15.54%
Peer Avg: 23.61%
#259 of 1077 Top 24.0% in 100M-500M tier

Top Weaknesses (5 metrics)

974
AMR Growth Rate
growth
Value: -2.48%
Peer Avg: 3.64%
#974 of 1077 Bottom 9.7% in 100M-500M tier
963
Members Per Employee (MPE)
engagement
Value: 229.213
Peer Avg: 332.881
#963 of 1077 Bottom 10.7% in 100M-500M tier
954
Average Member Relationship (AMR)
engagement
Value: $15,382
Peer Avg: $24,363
#954 of 1077 Bottom 11.5% in 100M-500M tier
887
Loan-to-Member Ratio (LMR)
engagement
Value: $6,461
Peer Avg: $10,245
#887 of 1077 Bottom 17.7% in 100M-500M tier
851
Net Charge-Off Rate
risk
Value: 0.68%
Peer Avg: 0.47%
#851 of 1077 Bottom 21.1% in 100M-500M tier