KINETIC
Charter #10866 · Columbus, GA · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 13.90% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Return on average assets of -0.44% sits at the 2nd percentile of structural peers — worth a closer look.
- Net interest margin of 2.30% sits at the 0th percentile of structural peers — worth a closer look.
- Cost of funds of 3.38% sits at the 98th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.35% sits at the 93rd percentile of structural peers — worth a closer look.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | KINETIC | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $660.73M | 40th pct | 44th pct |
| Members | 44,676 | 60th pct | 43th pct |
| Net worth ratio | 13.90% | 87th pct | 82th pct |
| Return on average assets | -0.44% | 2th pct | 2th pct |
| Net interest margin | 2.30% | 2th pct | 0th pct |
| Cost of funds | 3.38% | 100th pct | 98th pct |
| Loan-to-share | 76.46% | 35th pct | 39th pct |
| Delinquency 60+ days | 1.35% | 91th pct | 93th pct |
| Net charge-off ratio | 1.22% | 93th pct | 87th pct |
| Loan growth YoY | 0.77% | 50th pct | 38th pct |
| Share growth YoY | 6.05% | 79th pct | 79th pct |
| Efficiency ratio | 91.62% | 94th pct | 95th pct |
structural peer set hash: 60d9b0a8059ff32970fbe456324c3060… (reproducible)
Closest structural peers
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.