Federal credit union · Columbus, Georgia · NCUA charter #10866
KINETIC
Health score 82/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 82
- Health / 100
- $652.1M
- Total assets
- 44,880
- Members
- 13.9%
- Net-worth ratio
KINETIC scores 82/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $652.1M; members 44,880; net-worth ratio 13.90%; health rank #2,413 of 4,374; healthier than 43rd of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,413 of 4,374 health · 2025Q4KINETIC · health 82/100 · $652.1M · 2025Q4
- MEM 82/100
- RANK 13.9%
- PHOTO 1.61%
- BOOK 1.46%
- CHARTER $652.1M
- NCUSIF 44,880
- CAMELS #2,413/4,374
- HEALTH Innovations Financial
- NW 10866
Call Report peers
KINETIC in the assets neighbourhood
KINETIC's $652.1M assets sit next to Innovations Financial ($651.9M) 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.
KINETIC 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
82 43rd percentile higher than 43% 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
KINETIC - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #10866. See our deposit-insurance coverage note.
KINETIC: Call Report deltas vs peers
- Largest favorable gap: Net Worth Ratio at 13.90% vs peer 11.18% (+2.72 pp).
- Loan-to-Share Ratio trails the peer set - 78.09% here, 83.90% peer average (-5.81 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
KINETIC: in-state Call Report ranks
- Health composite ranks #38 of 74 among scored Georgia credit unions.
- Georgia assets place: #11 of 74.
- Membership ranks #10 of 74 among Georgia CUs with a reported count (44,880 members).
In-state ordinals use the live credit_unions table for GA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How KINETIC's 5300 filing moved
KINETIC: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.3% from $652.1M (2025Q4) to $660.7M (2026Q1).
- Net-worth ratio shifted -0.29 pp (14.19% → 13.90%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
13.90% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 82/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 82.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 15.4 pts
- Return on Assets 15.0 pts
- Member Growth 6.2 pts
- Loan-to-Share Ratio 15.4 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.90% | +2.72 pp |
| Delinquency Rate | 1.61% | +0.74 pp |
| Return on Assets | 1.46% | +0.95 pp |
| Member Growth | -1.57% | - |
| Loan-to-Share Ratio | 78.09% | -5.81 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Call Report history - KINETIC
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $660.7M | - |
| 2025Q4 | $652.1M | 44,880 |
| 2024Q4 | $584.7M | 45,598 |
| 2023Q4 | $552.6M | 46,281 |
Credit Union Details
- Charter Number
- 10866
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- Georgia
- City
- Columbus
- Data Quarter
- 2025Q4
Branch Locations (7)
Per its most recent NCUA branch filing, KINETIC runs 7 offices in 3 different cities across 2 states.
| Office | City |
|---|---|
| 13th Center Branch (Main Office) | Columbus, GA |
| North Branch | Columbus, GA |
| Peachtree Branch | Columbus, GA |
| Express Service Center | Columbus, GA |
| South Lumpkin Service Center | Columbus, GA |
| Lakeside Village | Midland, GA |
| 280 Branch | Phenix City, AL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Georgia
More federally-insured credit unions based in Georgia, ordered by peer group match and asset size.
Cross-state Call Report peers for KINETIC
Cross-state asset and health neighbours for KINETIC - kept outside Georgia; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($652.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (82/100 here).
Using this data
- KINETIC ranks #2,413 of 4,374 nationally on financial health and #38 of 74 in GA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Coosa Valley is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Coosa Valley
- Rates and health both vary by institution, not just by state -- see how Georgia credit unions compare overall before assuming this one is typical. Georgia 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 KINETIC financially healthy?
KINETIC has a financial health score of 82/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,413 of 4,374; by total assets it ranks #646 of 4,374 nationally (same basis as /rankings/largest); and #11 of 74 within Georgia. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 13.90% and delinquency rate of 1.61%.
How does KINETIC compare to other credit unions?
Five weighted metrics from NCUA filings produce KINETIC's 82/100 score on PlainCU's health composite, compared to a peer group average for Over $500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (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 KINETIC?
KINETIC operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact KINETIC directly for the exact boundaries and application steps.
Is my money safe at KINETIC?
Federal credit unions like KINETIC 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. KINETIC's net worth ratio of 13.90% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does KINETIC offer compared to banks?
Credit unions like KINETIC 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 KINETIC 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.