ROME KRAFT EMPLOYEES
Charter #60707 · Coosa, GA · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.96% ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 3.80% sits at the 18th percentile of structural peers — worth a closer look.
- Cost of funds of 2.17% sits at the 82nd percentile of structural peers — worth a closer look.
- Efficiency ratio of 53.43% ranks in the 10th percentile among structurally similar credit unions — a relative strength.
- On Net interest margin, the asset-size band puts this credit union at the 47th percentile but its structural peers at the 18th — a 29-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 | ROME KRAFT EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $22.85M | 43th pct | 69th pct |
| Members | 1,751 | 35th pct | 62th pct |
| Net worth ratio | 24.37% | 94th pct | 74th pct |
| Return on average assets | 1.96% | 94th pct | 87th pct |
| Net interest margin | 3.80% | 47th pct | 18th pct |
| Cost of funds | 2.17% | 93th pct | 82th pct |
| Loan-to-share | 97.47% | 98th pct | 89th pct |
| Delinquency 60+ days | 0.21% | 30th pct | 28th pct |
| Net charge-off ratio | 0.12% | 49th pct | 64th pct |
| Loan growth YoY | 3.18% | 88th pct | 82th pct |
| Share growth YoY | 0.59% | 31th pct | 41th pct |
| Efficiency ratio | 53.43% | 5th pct | 10th pct |
structural peer set hash: 30e75b63a2de0b0c67efb3afcbf82e32… (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.