Kinetic Federal Credit Union
Total assets
$660.7M
▲ +10.1% YoY
Shares & deposits
$567.1M
▲ +10.4% YoY
Loans
$433.6M
▲ +0.9% YoY
Members
44,676
▼ -1.9% YoY
ROA (annualized)
-0.43%
peers 0.62%
ROE (annualized)
-3.12%
peers 5.92%
Peer comparison 284 credit unions with 500M-1B in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.1% | +4.8% | +5.4 pts |
| Share growth (YoY) | +10.4% | +4.3% | +6.1 pts |
| Loan growth (YoY) | +0.9% | +4.3% | -3.4 pts |
| ROA | -0.43% | 0.62% | -1.1 pts |
| ROE | -3.1% | 5.9% | -9.0 pts |
ROA ranks in the 2nd percentile of its peer group · Q1 2026
Profile
- Established
- 1956
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- P.O. Box 9818, Columbus, GA, 31908
- NCUA charter #
- 10866
- RSSD ID
- 807683
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $660.7M | $567.1M | $433.6M | $91.8M | $-716K | -0.43% | 2.28% | 1.35% | 44,676 |
| Q4 2025 | $652.1M | $557.7M | $435.5M | $92.6M | $10.0M | 1.53% | 4.01% | 1.61% | 44,880 |
| Q3 2025 | $627.5M | $534.8M | $430.3M | $92.0M | $7.9M | 1.68% | 4.15% | 1.70% | 45,104 |
| Q2 2025 | $615.0M | $526.3M | $430.7M | $89.0M | $4.9M | 1.61% | 4.18% | 1.53% | 45,326 |
| Q1 2025 | $599.9M | $513.6M | $429.6M | $86.6M | $2.5M | 1.66% | 4.19% | 1.15% | 45,529 |
| Q4 2024 | $584.7M | $501.4M | $430.6M | $84.1M | $9.5M | 1.62% | 4.09% | 1.49% | 45,598 |
| Q3 2024 | $567.2M | $485.6M | $427.5M | $83.3M | $7.1M | 1.68% | 4.16% | 1.47% | 45,664 |
| Q2 2024 | $562.3M | $484.7M | $432.1M | $80.4M | $4.3M | 1.52% | 4.12% | 1.23% | 46,010 |
Loan mix (Q1 2026): real estate $58.7M · commercial $38.7M · consumer $330.3M · securities $52.7M
Ratio pack Q1 2026 · peer medians from 284 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.43% | 0.62% | 2th | |
Return on equity Annualized net income ÷ equity or net worth | -3.1% | 5.9% | 2th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.28% | 3.48% | 2th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 91.6% | 78.3% | 94th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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