State credit union · Georgetown, South Carolina · NCUA charter #60791
Georgetown Kraft
Health score 95/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 95
- Health / 100
- $188.2M
- Total assets
- 18,224
- Members
- 18.0%
- Net-worth ratio
Georgetown Kraft scores 95/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $188.2M; members 18,224; net-worth ratio 18.04%; health rank #321 of 4,374; healthier than 90th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#321 of 4,374 health · 2025Q4Georgetown Kraft · health 95/100 · $188.2M · 2025Q4
- NCUSIF 95/100
- CAMELS 18.0%
- HEALTH 0.96%
- NW 1.77%
- DELQ $188.2M
- ROA 18,224
- ASSETS #321/4,374
- MEM Beach Municipal
- RANK 60791
Call Report peers
Georgetown Kraft in the assets neighbourhood
Georgetown Kraft's $188.2M assets sit next to Beach Municipal ($188.3M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Georgetown Kraft vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
95 Top 10% higher than 90% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Georgetown Kraft - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #60791. See our deposit-insurance coverage note.
Georgetown Kraft: Call Report deltas vs peers
- Net Worth Ratio leads the peer set - 18.04% here, 12.11% peer average (+5.93 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -0.46 pp (71.74% vs 72.20%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Georgetown Kraft sits in South Carolina
- Health composite ranks #4 of 46 among scored South Carolina credit unions.
- South Carolina assets place: #18 of 46.
- Membership ranks #17 of 46 among South Carolina CUs with a reported count (18,224 members).
In-state ordinals use the live credit_unions table for SC only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Georgetown Kraft
Georgetown Kraft: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.8% from $188.2M (2025Q4) to $193.6M (2026Q1).
- Net-worth ratio shifted -0.19 pp (18.23% → 18.04%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 18.04%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 95/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 95.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 20.4 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 14.6 pts
Georgetown Kraft vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 18.04% | +5.93 pp |
| Delinquency Rate | 0.96% | +0.06 pp |
| Return on Assets | 1.77% | +1.14 pp |
| Member Growth | 9.34% | - |
| Loan-to-Share Ratio | 71.74% | -0.46 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Call Report history - Georgetown Kraft
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $193.6M | - |
| 2025Q4 | $188.2M | 18,224 |
| 2024Q4 | $180.4M | 16,667 |
| 2023Q4 | $174.4M | 16,371 |
Credit Union Details
- Charter Number
- 60791
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- South Carolina
- City
- Georgetown
- Data Quarter
- 2025Q4
Branch Locations (6)
The NCUA branch filing lists 6 physical offices for Georgetown Kraft, spread across 5 cities in 2 states.
| Office | City |
|---|---|
| Georgetown - N. Fraser St. (Main Office) | Georgetown, SC |
| Andrews | Andrews, SC |
| Georgetown - Bourne St. | Georgetown, SC |
| Kingstree | Kingstree, SC |
| Pawleys Island | Pawleys Island, SC |
| Vital Records Site | Southfield, MI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in South Carolina
A look at other South Carolina credit unions, ranked by how closely their peer group and asset size match this one.
Nationwide credit unions with similar profiles
Two NCUA Call Report peer sets for Georgetown Kraft, both outside South Carolina so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($188.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (95/100 here).
Using this data
- Georgetown Kraft ranks #321 of 4,374 nationally on financial health and #4 of 46 in SC -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Mid Carolina is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Mid Carolina
- Rates and health both vary by institution, not just by state -- see how South Carolina credit unions compare overall before assuming this one is typical. South Carolina state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Georgetown Kraft financially healthy?
A 18.04% net worth ratio and a 0.96% delinquency rate feed into Georgetown Kraft's financial health score of 95/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #321 of 4,374; by total assets it ranks #1,311 of 4,374 nationally (same basis as /rankings/largest); and #18 of 46 within South Carolina. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Georgetown Kraft compare to other credit unions?
95/100 is Georgetown Kraft's score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 15%.
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Georgetown Kraft?
Membership eligibility for Georgetown Kraft depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Georgetown Kraft directly for current membership requirements and application steps.
Is my money safe at Georgetown Kraft?
Federal credit unions like Georgetown Kraft are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Georgetown Kraft's net worth ratio of 18.04% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Georgetown Kraft offer compared to banks?
Credit unions like Georgetown Kraft are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Georgetown Kraft directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.