BlastPoint's Credit Union Scorecard

GEORGETOWN KRAFT

Charter #60791 · SC

100M-500M

1024 CUs in 100M-500M nationally 9 in SC

GEORGETOWN KRAFT has 8 strengths but faces 6 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

+ Emerging Performer: Top 50.0% in tier
+ Organic Growth Engine: Top 50.0% in tier
+ Organic Growth Leader: Top 50.0% in tier
+ ROA 0.72% above tier average
+ Net Interest Margin 1.23% above tier average
+ Strong member growth: 8.5% YoY
+ Member Growth Rate: Top 4.5% in tier
+ Net Worth Ratio: Top 4.9% in tier

Key Concerns

Areas that may need attention

- Shrinking Wallet Share: Bottom 50.0% in tier
- Margin Compression: Bottom 50.0% in tier
- Liquidity Overhang: Bottom 50.0% in tier
- Delinquency rate 0.07% above tier average
- AMR Growth Rate: Bottom 2.1% in tier
- Average Member Relationship (AMR): Bottom 6.9% in tier

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 9 that size in South Carolina.
Shares and deposits +0.7% year over year ($155M in shares and deposits).
Membership: 18,425 members, +8.5% vs a year ago.
Delinquency rate 0.95%.
Return on assets 1.58%.
Efficiency ratio 72.97% vs a 76.73% peer average.
Loan-to-share ratio 70.54% vs a 71.54% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (SC)	National Avg	Tier Percentile
Members	18,425 +8.5% YoY+0.7% QoQ	+3.3K	15,168 -2.6% YoY	38,222 +5.6% YoY	34,678 +6.6% YoY	71%
Assets	$191.9M +1.7% YoY-0.9% QoQ	$-40.1M	$232.0M +0.7% YoY	$548.9M +9.6% YoY	$593.1M +10.2% YoY	48%
Loans	$109.6M -1.6% YoY-0.1% QoQ	$-36.7M	$146.3M +0.2% YoY	$385.7M +10.8% YoY	$418.6M +10.1% YoY	41%
Deposits	$155.4M +0.7% YoY-1.4% QoQ	$-45.3M	$200.7M +0.2% YoY	$462.6M +9.2% YoY	$504.8M +10.3% YoY	43%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.6% -20.8% YoY+25.4% QoQ	+0.7%	0.9% +12.5% YoY	0.9% -19.6% YoY	1.2% +121.4% YoY	Top 10.7% in tier
NIM	4.9% -0.5% YoY+1.6% QoQ	+1.2%	3.7% +4.5% YoY	4.2% -1.3% YoY	3.8% +2.3% YoY	Top 4.0% in tier
Efficiency Ratio	73.0% +4.9% YoY-1.2% QoQ	-3.8%	76.7% -0.8% YoY	79.7% +5.8% YoY	83.0% -5.3% YoY	35%
Delinquency Rate	0.9% -13.0% YoY-1.6% QoQ	+0.1	0.9% +6.6% YoY	1.1% +14.2% YoY	1.3% +2.6% YoY	66%
Loan To Share	70.5% -2.3% YoY+1.3% QoQ	-1.0%	71.5% -0.3% YoY	70.2% -0.9% YoY	66.4% -1.4% YoY	45%
AMR	$14,381 -8.1% YoY-1.5% QoQ	$-11K	$25,107 +3.2% YoY	$17,221 +4.1% YoY	$20,028 -0.9% YoY	Bottom 6.8% in tier
CD Concentration	14.9% -3.7% YoY-2.4% QoQ	-9.7%	24.6%	18.3%	20.0%	50%
Indirect Auto %	7.5% -4.1% YoY-6.1% QoQ	-6.2%	13.6%	6.0%	7.7%	50%

Signature Analysis

Strengths (3)

Emerging Performer

growth

#8 of 175 • 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: 1.58%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Member Growth (YoY): 8.48%

(Tier: 0.46%, National: 15.67%)

better than tier avg

175 of 1024 Mid-Small & Community CUs have this signature | 283 nationally

→ Stable (178→175 CUs) -3 CUs YoY | Rank improving

Organic Growth Engine

growth

#28 of 344 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 8.48%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Return on Assets: 1.58%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Indirect Auto %: 7.45%

(Tier: 13.63%, National: 7.71%)

better than tier avg

344 of 1024 Mid-Small & Community CUs have this signature | 490 nationally

↓ Shrinking -271 CUs YoY | Rank improving

Organic Growth Leader

growth

#30 of 342 • 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): 8.48%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Indirect Auto %: 7.45%

(Tier: 13.63%, National: 7.71%)

better than tier avg

342 of 1024 Mid-Small & Community CUs have this signature | 485 nationally

↓ Shrinking -91 CUs YoY | Rank improving

Concerns (3)

Shrinking Wallet Share

decline

#24 of 223 • 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): -8.06%

(Tier: 3.97%, National: 35.20%)

worse than tier avg

223 of 1024 Mid-Small & Community CUs have this signature | 308 nationally

↓ Shrinking -61 CUs YoY | New qualifier

Margin Compression

decline

#20 of 140 • 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: 1.58%

(Tier: 0.85%, National: 1.23%)

but better than tier avg

ROA (Prior Year): 2.00%

(Tier: 0.75%, National: 0.66%)

but better than tier avg

ROA Change (YoY): -0.41% points

(Tier: 0.10% points, National: 0.47% points)

worse than tier avg

140 of 1024 Mid-Small & Community CUs have this signature | 167 nationally

→ Stable (143→140 CUs) -3 CUs YoY | New qualifier

Liquidity Overhang

risk

#54 of 130 • 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: 18.67%

(Tier: 12.53%, National: 14.66%)

but better than tier avg

Loan-to-Share Ratio: 70.54%

(Tier: 73.56%, National: 66.39%)

worse than tier avg

130 of 1024 Mid-Small & Community CUs have this signature | 148 nationally

↑ Growing +7 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 1024 peers in tier

Top Strengths (7 metrics)

Net Interest Margin (NIM)

profitability

Value: 4.92%

Peer Median: 3.67%

#41 of 1024 Top 3.9% in 100M-500M tier

Member Growth Rate

growth

Value: 8.48%

Peer Median: -0.03%

#47 of 1024 Top 4.5% in 100M-500M tier

Net Worth Ratio

risk

Value: 18.67%

Peer Median: 11.71%

#51 of 1024 Top 4.9% in 100M-500M tier

Fee Income Per Member

profitability

Value: $291.36

Peer Median: $159.88

#62 of 1024 Top 6.0% in 100M-500M tier

110

Return on Assets (ROA)

profitability

Value: 1.58%

Peer Median: 0.75%

#110 of 1024 Top 10.6% in 100M-500M tier

162

First Mortgage Concentration (%)

balance_sheet

Value: 12.43%

Peer Median: 29.92%

#162 of 1024 Top 15.7% in 100M-500M tier

214

Share Certificate Concentration (%)

balance_sheet

Value: 14.86%

Peer Median: 23.39%

#214 of 1024 Top 20.8% in 100M-500M tier

Top Weaknesses (6 metrics)

1004

AMR Growth Rate

growth

Value: -8.06%

Peer Median: 3.53%

#1004 of 1024 Bottom 2.1% in 100M-500M tier

954

Average Member Relationship (AMR)

engagement

Value: $14,381

Peer Median: $23,006

#954 of 1024 Bottom 6.9% in 100M-500M tier

899

Loan-to-Member Ratio (LMR)

engagement

Value: $5,949

Peer Median: $9,434

#899 of 1024 Bottom 12.3% in 100M-500M tier

896

Net Charge-Off Rate

risk

Value: 0.87%

Peer Median: 0.34%

#896 of 1024 Bottom 12.6% in 100M-500M tier

852

Members Per Employee (MPE)

engagement

Value: 242.434

Peer Median: 310.924

#852 of 1024 Bottom 16.9% in 100M-500M tier

789

Loan Growth Rate

growth

Value: -1.59%

Peer Median: 3.02%

#789 of 1024 Bottom 23.0% in 100M-500M tier