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
Call Report peers
KINETIC in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); KINETIC sits in 80-84 with 767 others.
82 43rd percentile higher than 43% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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).
- One place up in Georgia, ALTAMAHA (#37) ties at 82/100; one place down, Valdosta Teachers (#39) ties at 82/100.
How KINETIC's 5300 filing moved
KINETIC: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.3% from $652.1M (2025Q4) to $660.7M (2026Q1).
- Net-worth ratio shifted -0.29 pp (14.19% → 13.90%).
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
KINETIC gives up 18 points in total. Delinquency Rate costs the most, 9.6 of its 25; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is KINETIC financially healthy?
On its 2025Q4 NCUA 5300 filing, KINETIC scores 82/100 (Excellent), with a 13.90% net worth ratio and 1.61% of loans delinquent. It ranks #2,413 of 4,374 nationally on health and #38 of 74 in Georgia.
How does KINETIC compare to other credit unions?
KINETIC scores 82/100, higher than 43% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is net worth ratio (13.90% vs 11.18%). Its widest shortfall is loan-to-share ratio (78.09% vs 83.90%).
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?
KINETIC is a federal 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. KINETIC's net worth ratio of 13.90% 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.