Kraftsman

Hopewell, VA · 1 · Charter #14185
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$4.9M
24th percentile
Members
457
16th percentile
Total loans
$1.4M
18th percentile
Total shares
$3.5M
23th percentile

Profitability

Return on assets
1.31%
72th percentile
Net interest margin
4.21%
60th percentile
Efficiency ratio
62.03%
60th percentile
Non-interest income ratio
1.01%
14th percentile

Capital & Risk

Net worth ratio
27.94%
90th percentile
Delinquency rate
0.00%
100th percentile
Net charge-off rate
0.23%
49th percentile
Loan-to-share
39.92%
21th percentile

Growth

Member growth YoY
-4.79%
18th percentile
Asset growth YoY
-2.78%
26th percentile
Loan growth YoY
-5.48%
39th percentile
Share growth YoY
-5.17%
20th percentile

Operations

Members / branch
457
21th percentile
Assets / member
$10,724
62th percentile
Field of membership penetration
45.70%
61th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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