Federal credit union · Hopewell, Virginia · NCUA charter #14185
KRAFTSMAN
Health score 77/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 77
- Health / 100
- $4.9M
- Total assets
- 457
- Members
- 28.3%
- Net-worth ratio
KRAFTSMAN scores 77/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $4.9M; members 457; net-worth ratio 28.31%; health rank #3,040 of 4,374; healthier than 28th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,040 of 4,374 health · 2025Q4KRAFTSMAN · health 77/100 · $4.9M · 2025Q4
Call Report peers
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KRAFTSMAN vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); KRAFTSMAN sits in 75-79 with 502 others.
77 28th percentile higher than 28% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
KRAFTSMAN vs $2M–$10M peers
- Largest favorable gap: Net Worth Ratio at 28.31% vs peer 19.06% (+9.25 pp).
- Loan-to-Share Ratio trails the peer set - 39.92% here, 63.60% peer average (-23.68 pp).
Where KRAFTSMAN sits in Virginia
- In Virginia, health place is #59 of 95 on the same NCUA-ratio sort used nationally.
- Assets rank #83 of 95 inside Virginia ($4.9M reported).
- Virginia membership ordinal: #86 of 95.
- One place up in Virginia, SPECTRA (#58) scores 78/100, 1 point higher; one place down, Virginia Educators Credit Union (#60) ties at 77/100.
Quarter path for KRAFTSMAN
KRAFTSMAN: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.6% from $4.9M (2025Q4) to $4.9M (2026Q1).
- Net-worth ratio shifted +0.37 pp (27.94% → 28.31%).
This credit union's 28.31% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 77/100 score is built
KRAFTSMAN gives up 23 points in total. Member Growth costs the most, 14.6 of its 15; Net Worth Ratio and Delinquency Rate score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 11.6 pts
- Member Growth 0.4 pts
- Loan-to-Share Ratio 10.0 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 28.31% | +9.25 pp |
| Delinquency Rate | 0.00% | -1.81 pp |
| Return on Assets | 0.28% | -0.18 pp |
| Member Growth | -4.79% | - |
| Loan-to-Share Ratio | 39.92% | -23.68 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $4.9M | - |
| 2025Q4 | $4.9M | 457 |
| 2024Q4 | $5.0M | 480 |
| 2023Q4 | $5.3M | 471 |
Credit Union Details
- Charter Number
- 14185
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- Virginia
- City
- Hopewell
- Data Quarter
- 2025Q4
Branch Location
KRAFTSMAN operates a single office in Hopewell, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Kraftsman Federal Credit Union (Main Office) | Hopewell, VA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Virginia
A look at other Virginia credit unions, ranked by how closely their peer group and asset size match this one.
Nationwide credit unions with similar profiles
Similar health score
Using this data
- KRAFTSMAN ranks #3,040 of 4,374 nationally on financial health and #59 of 95 in VA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- YOGAVILLE is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with YOGAVILLE
Frequently Asked Questions
Is KRAFTSMAN financially healthy?
On its 2025Q4 NCUA 5300 filing, KRAFTSMAN scores 77/100 (Very Good), with a 28.31% net worth ratio and 0.00% of loans delinquent. It ranks #3,040 of 4,374 nationally on health and #59 of 95 in Virginia.
How does KRAFTSMAN compare to other credit unions?
KRAFTSMAN scores 77/100, higher than 28% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is net worth ratio (28.31% vs 19.06%). Its widest shortfall is loan-to-share ratio (39.92% vs 63.60%).
How can I join KRAFTSMAN?
KRAFTSMAN 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 KRAFTSMAN directly for the exact boundaries and application steps.
Is my money safe at KRAFTSMAN?
KRAFTSMAN 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. KRAFTSMAN's net worth ratio of 28.31% 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.