State credit union · Coosa, Georgia · NCUA charter #60707
Rome Kraft Employees
Health score 95/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 95
- Health / 100
- $22.6M
- Total assets
- 1,744
- Members
- 24.4%
- Net-worth ratio
Rome Kraft Employees scores 95/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $22.6M; members 1,744; net-worth ratio 24.37%; health rank #306 of 4,374; healthier than 90th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#306 of 4,374 health · 2025Q4Rome Kraft Employees · health 95/100 · $22.6M · 2025Q4
Call Report peers
Rome Kraft Employees in the assets neighbourhood
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Rome Kraft Employees vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Rome Kraft Employees sits in 95-99 with 391 others.
95 Top 10% higher than 90% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Rome Kraft Employees vs $10M–$50M peers
- Largest favorable gap: Loan-to-Share Ratio at 96.58% vs peer 59.80% (+36.78 pp).
Where Rome Kraft Employees sits in Georgia
- Health composite ranks #10 of 74 among scored Georgia credit unions.
- By total assets, Rome Kraft Employees is #46 of 74 in Georgia.
- Georgia membership ordinal: #51 of 74.
- One place up in Georgia, Harris Employees (#9) ties at 95/100; one place down, Coweta Cities & County Employees (#11) ties at 95/100.
Rome Kraft Employees Call Report trajectory
Rome Kraft Employees: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.0% from $22.6M (2025Q4) to $22.8M (2026Q1).
- Net-worth ratio shifted +0.25 pp (24.12% → 24.37%).
This credit union's 24.37% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 95/100 score is built
Rome Kraft Employees gives up 5 points in total. Loan-to-Share Ratio costs the most, 3 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 12.8 pts
- Loan-to-Share Ratio 12.2 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 24.37% | +9.51 pp |
| Delinquency Rate | 0.19% | -0.95 pp |
| Return on Assets | 0.92% | +0.21 pp |
| Member Growth | 3.20% | - |
| Loan-to-Share Ratio | 96.58% | +36.78 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Call Report history - Rome Kraft Employees
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $22.8M | - |
| 2025Q4 | $22.6M | 1,744 |
| 2024Q4 | $21.4M | 1,690 |
| 2023Q4 | $21.5M | 1,665 |
Credit Union Details
- Charter Number
- 60707
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Georgia
- City
- Coosa
- Data Quarter
- 2025Q4
Branch Locations (3)
Per its most recent NCUA branch filing, Rome Kraft Employees runs 3 offices in 2 different cities across 2 states.
| Office | City |
|---|---|
| Main Office (Main Office) | Rome, GA |
| Vital Records | Mount Pleasant, WI |
| Disaster Recovery | Mount Pleasant, WI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Georgia
Other federally-insured credit unions in Georgia, closest first by peer group and asset size.
Nationwide credit unions with similar profiles
Using this data
- Rome Kraft Employees ranks #306 of 4,374 nationally on financial health and #10 of 74 in GA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Georgia Power Valdosta is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Georgia Power Valdosta
Frequently Asked Questions
Is Rome Kraft Employees financially healthy?
On its 2025Q4 NCUA 5300 filing, Rome Kraft Employees scores 95/100 (Excellent), with a 24.37% net worth ratio and 0.19% of loans delinquent. It ranks #306 of 4,374 nationally on health and #10 of 74 in Georgia.
How does Rome Kraft Employees compare to other credit unions?
Rome Kraft Employees scores 95/100, higher than 90% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (96.58% vs 59.80%).
How can I join Rome Kraft Employees?
Membership eligibility for Rome Kraft Employees depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Rome Kraft Employees directly for current membership requirements and application steps.
Is my money safe at Rome Kraft Employees?
Rome Kraft Employees is a state-chartered 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. Rome Kraft Employees's net worth ratio of 24.37% 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.