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
- RANK 60/100
- PHOTO 7.5%
- BOOK 0.38%
- CHARTER -1.59%
- NCUSIF $12.3M
- CAMELS 1,184
- HEALTH #4,075/4,374
- NW Tompkins Employees
- DELQ 20891
Call Report peers
KRAFTCOR in the assets neighbourhood
KRAFTCOR's $12.3M assets sit next to Tompkins Employees ($12.3M) 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.
KRAFTCOR 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
60 7th percentile higher than 7% 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
KRAFTCOR - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #20891. See our deposit-insurance coverage note.
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).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for KY only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for KRAFTCOR
KRAFTCOR: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.5% from $12.3M (2025Q4) to $12.5M (2026Q1).
- Net-worth ratio shifted -0.47 pp (8.02% → 7.55%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 60.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
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
KRAFTCOR's nationwide photo peers by assets and by health score, excluding Kentucky charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($12.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (60/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Kentucky credit unions compare overall before assuming this one is typical. Kentucky 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 KRAFTCOR financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, KRAFTCOR carries a financial health score of 60/100 (Good). On the national health ranking (same basis as /rankings/healthiest), it sits at #4,075 of 4,374; by total assets it ranks #3,441 of 4,374 nationally (same basis as /rankings/largest); and #44 of 54 within Kentucky. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 7.55% net worth ratio and a 0.38% delinquency rate.
How does KRAFTCOR compare to other credit unions?
On PlainCU's health composite, KRAFTCOR lands at 60/100, compared to a peer group average for $10M–$50M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 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?
Federal credit unions like KRAFTCOR 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. KRAFTCOR's net worth ratio of 7.55% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does KRAFTCOR offer compared to banks?
Credit unions like KRAFTCOR 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 KRAFTCOR 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.