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.
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#321 of 4,374 health · 2025Q4Georgetown Kraft · health 95/100 · $188.2M · 2025Q4
Call Report peers
Georgetown Kraft in the assets neighbourhood
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Georgetown Kraft vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Georgetown Kraft sits in 95-99 with 391 others.
95 Top 10% higher than 90% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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%).
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).
- One place up in South Carolina, ANMED (#3) scores 96/100, 1 point higher; one place down, S. C. State (#5) ties at 95/100.
Quarter path for Georgetown Kraft
Georgetown Kraft: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.8% from $188.2M (2025Q4) to $193.6M (2026Q1).
- Net-worth ratio shifted -0.19 pp (18.23% → 18.04%).
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
Georgetown Kraft gives up 5 points in total. Delinquency Rate costs the most, 4.6 of its 25; Net Worth Ratio and Return on Assets and Member Growth and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Georgetown Kraft financially healthy?
On its 2025Q4 NCUA 5300 filing, Georgetown Kraft scores 95/100 (Excellent), with a 18.04% net worth ratio and 0.96% of loans delinquent. It ranks #321 of 4,374 nationally on health and #4 of 46 in South Carolina.
How does Georgetown Kraft compare to other credit unions?
Georgetown Kraft scores 95/100, higher than 90% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is net worth ratio (18.04% vs 12.11%). Its widest shortfall is loan-to-share ratio (71.74% vs 72.20%).
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?
Georgetown Kraft is a state-chartered credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.