Kinetic

Columbus, GA · 1 · Charter #10866 · www.kineticCU.com
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$652.1M
73th percentile
Members
44,880
81th percentile
Total loans
$435.5M
72th percentile
Total shares
$557.7M
75th percentile

Profitability

Return on assets
2.19%
97th percentile
Net interest margin
4.01%
82th percentile
Efficiency ratio
52.82%
73th percentile
Non-interest income ratio
27.37%
88th percentile

Capital & Risk

Net worth ratio
14.19%
86th percentile
Delinquency rate
1.61%
9th percentile
Net charge-off rate
0.97%
12th percentile
Loan-to-share
78.09%
42th percentile

Growth

Member growth YoY
-1.57%
27th percentile
Asset growth YoY
11.52%
91th percentile
Loan growth YoY
1.13%
34th percentile
Share growth YoY
11.23%
92th percentile

Operations

Members / branch
6,411
77th percentile
Assets / member
$14,530
34th percentile
Field of membership penetration
10.02%
73th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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