Federal credit union · Hawesville, Kentucky · NCUA charter #20891
KRAFTCOR
Health score 60/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 60
- Health / 100
- $12.3M
- Total assets
- 1,184
- Members
- 7.5%
- Net-worth ratio
KRAFTCOR scores 60/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $12.3M; members 1,184; net-worth ratio 7.55%; health rank #4,075 of 4,374; healthier than 7th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#4,075 of 4,374 health · 2025Q4KRAFTCOR · health 60/100 · $12.3M · 2025Q4
Call Report peers
KRAFTCOR in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
KRAFTCOR vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); KRAFTCOR sits in 60-64 with 179 others.
60 7th percentile higher than 7% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where KRAFTCOR diverges from peer averages
- Delinquency Rate leads the peer set - 0.38% here, 1.15% peer average (-0.77 pp).
- Largest lag: Net Worth Ratio at 7.55% vs peer 14.86% (-7.31 pp).
Where KRAFTCOR sits in Kentucky
- Kentucky health ordinal: #51 of 54.
- By total assets, KRAFTCOR is #44 of 54 in Kentucky.
- Kentucky membership ordinal: #47 of 54.
- One place up in Kentucky, Kemba Louisville (#50) scores 61/100, 1 point higher; one place down, Corning Glass Works Harrodsbg (#52) scores 58/100, 2 points lower.
Quarter path for KRAFTCOR
KRAFTCOR: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.5% from $12.3M (2025Q4) to $12.5M (2026Q1).
- Net-worth ratio shifted -0.47 pp (8.02% → 7.55%).
At 7.55%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 60/100 score is built
KRAFTCOR gives up 40 points in total. Return on Assets costs the most, 15 of its 15; Delinquency Rate scores full marks.
- Net Worth Ratio 23.9 pts
- Delinquency Rate 25.0 pts
- Return on Assets 0.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 11.1 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 7.55% | -7.31 pp |
| Delinquency Rate | 0.38% | -0.77 pp |
| Return on Assets | -1.59% | -2.30 pp |
| Member Growth | -12.23% | - |
| Loan-to-Share Ratio | 54.72% | -5.08 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $12.5M | - |
| 2025Q4 | $12.3M | 1,184 |
| 2024Q4 | $13.2M | 1,349 |
| 2023Q4 | $14.9M | 1,488 |
Credit Union Details
- Charter Number
- 20891
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Kentucky
- City
- Hawesville
- Data Quarter
- 2025Q4
Branch Location
KRAFTCOR operates a single office in Hawesville, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Kraftcor Federal Credit Union (Main Office) | Hawesville, KY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Kentucky
Other federally-insured credit unions in Kentucky, closest first by peer group and asset size.
KRAFTCOR nationwide neighbourhoods
Similar total assets
Using this data
- KRAFTCOR ranks #4,075 of 4,374 nationally on financial health and #51 of 54 in KY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Bluegrass Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Bluegrass Community
Frequently Asked Questions
Is KRAFTCOR financially healthy?
KRAFTCOR has a financial health score of 60/100 (Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #4,075 of 4,374 nationally on health and #51 of 54 in Kentucky. Its net worth ratio is 7.55% and its delinquency rate 0.38%.
How does KRAFTCOR compare to other credit unions?
KRAFTCOR scores 60/100, higher than 7% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is delinquency rate (0.38% vs 1.15%). Its widest shortfall is net worth ratio (7.55% vs 14.86%).
How can I join KRAFTCOR?
KRAFTCOR 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 KRAFTCOR directly for the exact boundaries and application steps.
Is my money safe at KRAFTCOR?
KRAFTCOR 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. KRAFTCOR's net worth ratio of 7.55% 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.