Kinetic
Columbus, GA · Charter 10866 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 7 branches
Q2 2026
$664.6MAssets
$445.8MLoans
$569.5MShares
$93.6MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 61% of credit unions under $1B in assets (rank 662 of 1683).
- Widest gap: net interest margin trails 81% of credit unions under $1B in assets (rank 1362 of 1683).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.31%
Rank 1,303 of 1,683
Net Interest Margin
3.16%
Rank 1,362 of 1,683
Efficiency Ratio
76.88%
Rank 770 of 1,682
Equity / Assets
14.08%
Rank 662 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.31% | 0.35% | 0.74% | 1.18% | Beats 23% | 1,303 / 1,683 | |
| Return on Equity | 2.20% | 2.67% | 5.89% | 8.74% | Beats 21% | 1,322 / 1,681 | |
| Net Interest Margin | 3.16% | 3.31% | 3.82% | 4.32% | Beats 19% | 1,362 / 1,683 | |
| Efficiency Ratio | 76.88% | 68.91% | 78.20% | 86.93% | Beats 54% | 770 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.55% | 0.26% | 0.65% | 1.29% | Beats 20% | 1,345 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 14.08% | 10.44% | 12.89% | 16.53% | Beats 61% | 662 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 14.08% | 10.44% | 12.89% | 16.53% | Beats 61% | 662 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 78.28% | 52.61% | 69.38% | 83.50% | 66th pctl | 569 / 1,683 | |
| Loans / Assets | 67.08% | 44.71% | 59.18% | 70.72% | 67th pctl | 560 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |