KRAFTSMAN
Charter #14185 · Hopewell, VA · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 455 sits at the 21st percentile of structural peers — worth a closer look.
- Net worth ratio of 28.31% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.07% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.97% ranks in the 5th percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 39th percentile but its structural peers at the 21st — a 18-point gap showing why the peer definition matters.
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 | KRAFTSMAN | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $4.87M | 58th pct | 43th pct |
| Members | 455 | 39th pct | 21th pct |
| Net worth ratio | 28.31% | 82th pct | 75th pct |
| Return on average assets | 0.79% | 65th pct | 57th pct |
| Net interest margin | 4.25% | 56th pct | 61th pct |
| Cost of funds | 0.46% | 48th pct | 36th pct |
| Loan-to-share | 35.69% | 25th pct | 25th pct |
| Delinquency 60+ days | 0.07% | 30th pct | 13th pct |
| Net charge-off ratio | -0.97% | 4th pct | 5th pct |
| Loan growth YoY | -17.90% | 9th pct | 10th pct |
| Share growth YoY | -4.24% | 21th pct | 13th pct |
| Efficiency ratio | 81.50% | 43th pct | 44th pct |
structural peer set hash: b146f8cb1e0322ee6b4bd78f57a82c83… (reproducible)
Closest structural peers
This is the free public view
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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.