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
- RANK 95/100
- PHOTO 24.4%
- BOOK 0.19%
- CHARTER 0.92%
- NCUSIF $22.6M
- CAMELS 1,744
- HEALTH #306/4,374
- NW Alliance Niagara
- DELQ 60707
Call Report peers
Rome Kraft Employees in the assets neighbourhood
Rome Kraft Employees's $22.6M assets sit next to Alliance Niagara ($22.6M) 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.
Rome Kraft Employees 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
95 Top 10% higher than 90% 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
Rome Kraft Employees - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #60707. See our deposit-insurance coverage note.
Rome Kraft Employees vs $10M–$50M peers
- Largest favorable gap: Loan-to-Share Ratio at 96.58% vs peer 59.80% (+36.78 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for GA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Rome Kraft Employees Call Report trajectory
Rome Kraft Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.0% from $22.6M (2025Q4) to $22.8M (2026Q1).
- Net-worth ratio shifted +0.25 pp (24.12% → 24.37%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 95.
- 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 |
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).
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
Cross-state asset and health neighbours for Rome Kraft Employees - kept outside Georgia; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($22.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (95/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Georgia credit unions compare overall before assuming this one is typical. Georgia 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 Rome Kraft Employees financially healthy?
Yes/no aside, the number is 95/100 (Excellent) - Rome Kraft Employees's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #306 of 4,374; by total assets it ranks #3,066 of 4,374 nationally (same basis as /rankings/largest); and #46 of 74 within Georgia. Above 80 reads excellent, below 50 warrants closer monitoring; a 24.37% net worth ratio and 0.19% delinquency rate are the key drivers.
How does Rome Kraft Employees compare to other credit unions?
Rome Kraft Employees scores 95/100 on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (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 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?
Federal credit unions like Rome Kraft Employees 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. Rome Kraft Employees's net worth ratio of 24.37% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Rome Kraft Employees offer compared to banks?
Credit unions like Rome Kraft Employees 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 Rome Kraft Employees 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.