Federal credit union · Columbus, Georgia · NCUA charter #10866
Kinetic
Health score 82/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 82
- Health / 100
- $652.1M
- Total assets
- 44,880
- Members
- 12.7%
- Net-worth ratio
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 - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)62
- Earnings (ROA)100
- Member growth41
- Liquidity (loan-to-share)100
Weighted composite: 82/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
12.66% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 12.66% | 30% |
| Delinquency Rate | 1.61% | 25% |
| Return on Assets | 1.46% | 15% |
| Member Growth | -1.57% | 15% |
| Loan-to-Share Ratio | 78.09% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Kinetic
Headquartered in Columbus, Georgia, Kinetic is a federal credit union with 44,880 members, $652.1M in total assets, and $435.5M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 82/100 (Excellent), driven in part by a net worth ratio of 12.66% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #10866 and reports within peer group Over $500M, a cohort of 749 similarly-sized institutions.
On loan book quality: 1.61% of loans are 60+ days past due against the total loan book - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running looser than peers. Meanwhile a 78.09% loan-to-share ratio shows how aggressively member deposits get deployed into lending, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 1.46% on net income of $9.5M for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -1.57%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Community); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
Nearby Credit Unions in Georgia
More federally-insured credit unions based in Georgia, ordered by peer group match and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
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. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 12.66% 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 12.66% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.