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Georgetown Kraft

Georgetown, SC · Charter 60791

NCUA · 6 branches

Q2 2026

$191.9MAssets
$109.6MLoans
$155.4MShares
$35.8MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.59%, down 40 bps year over year; NIM at 4.94%.
  • Asset quality: problem loans at 0.95% of loans (-14 bps YoY).
  • Capital: net worth / assets of 18.67%, up 120 bps from a year ago.
  • Funding: loans stand at 70.54% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.59%-40 bps YoY

Net Interest Margin (quarter, annualized)

4.94%0 bps YoY

Efficiency Ratio (quarter, annualized)

72.97%+342 bps YoY

Net Worth / Assets

18.67%+120 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.99%1.83%1.77%1.26%1.59%-40 bps
Return on Equity11.40%10.16%9.72%6.99%8.50%-290 bps
Net Interest Margin4.94%5.04%5.04%4.84%4.94%0 bps
Efficiency Ratio69.55%71.25%70.85%73.88%72.97%+342 bps
Growth
Asset Growth (YoY)7.70%4.29%4.34%2.98%1.70%-600 bps
Loan Growth (YoY)-0.53%-1.54%-2.67%-2.38%-1.59%-106 bps
Share Growth (YoY)5.73%1.72%2.43%0.74%0.69%-504 bps
Asset Quality
Delinquent Loans / Loans1.09%0.90%0.96%0.96%0.95%-14 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital17.47%17.97%18.23%18.04%18.67%+120 bps
Net Worth / Assets17.47%17.97%18.23%18.04%18.67%+120 bps
Liquidity & Funding
Loans / Shares72.18%72.43%71.74%69.61%70.54%-163 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps