KRAFTMAN
Charter #8530 · Bastrop, LA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 0.42% sits at the 25th percentile of structural peers — worth a closer look.
- Net interest margin of 2.50% sits at the 3rd percentile of structural peers — worth a closer look.
- Cost of funds of 1.47% sits at the 89th percentile of structural peers — worth a closer look.
- Efficiency ratio of 85.61% sits at the 75th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 27th percentile but its structural peers at the 75th — a 49-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 | KRAFTMAN | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $141.93M | 27th pct | 75th pct |
| Members | 6,682 | 10th pct | 51th pct |
| Net worth ratio | 14.48% | 83th pct | 67th pct |
| Return on average assets | 0.42% | 31th pct | 25th pct |
| Net interest margin | 2.50% | 4th pct | 3th pct |
| Cost of funds | 1.47% | 65th pct | 89th pct |
| Loan-to-share | 36.59% | 3th pct | 20th pct |
| Delinquency 60+ days | 0.66% | 55th pct | 64th pct |
| Net charge-off ratio | 0.12% | 21th pct | 34th pct |
| Loan growth YoY | -3.95% | 11th pct | 21th pct |
| Share growth YoY | 8.00% | 92th pct | 90th pct |
| Efficiency ratio | 85.61% | 74th pct | 75th pct |
structural peer set hash: 3147c831983e06c6301846576d8df469… (reproducible)
Closest structural peers
This is the free public view
Claim KRAFTMAN
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.