Georgetown Kraft Credit Union Georgetown, South Carolina
Georgetown Kraft Credit Union is a state-chartered credit union headquartered in Georgetown, SC, established in 1952 (NCUA charter 60791), and it is regulated and insured by the NCUA. At Q2 2026 it reported 18,425 members and total assets of $191.9M (up 1.7% from Q2 2025), the 18th largest of 45 credit unions headquartered in South Carolina. Its net worth ratio was 18.67% at Q2 2026, in the well capitalized band.
Also written as Georgetown Kraft CU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 60791
- Headquarters
- Georgetown, SC
- Established
- 1952
- Total assets, Q2 2026
- $191.9M
- Assets vs Q2 2025
- +1.7%
- Members, Q2 2026
- 18,425
- Net worth ratio, Q2 2026
- 18.67%
- Latest call report
- Q2 2026, NCUA 5300 · Georgetown Kraft Credit Union call report
- Asset rank in state
- 18th of 45 in South Carolina
- Routing number
- 253279099
- Branches
- 6
It has 1,441 more members than on June 30, 2025 (+8.5%). Its net worth ratio was up 1.21 percentage points from 17.46% on June 30, 2025. Used vehicle loans are its largest loan category, $52.7M of $109.6M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.95% is above the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 18.67% net worth ratio is above that band's 11.43% median.
Credit unions similar in size in South Carolina
Frequently asked about Georgetown Kraft Credit Union
How big is Georgetown Kraft Credit Union?
At Q2 2026 it reported total assets of $191.9M and 18,425 members.
Where is Georgetown Kraft Credit Union headquartered?
It is headquartered in Georgetown, SC, United States.
When was Georgetown Kraft Credit Union founded?
It was established in 1952, per NCUA records.
Is Georgetown Kraft Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 60791): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Georgetown Kraft Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Georgetown Kraft Credit Union well capitalized?
Its net worth ratio was 18.67% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Georgetown Kraft Credit Union's delinquency ratio?
Its delinquency ratio was 0.95% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Georgetown Kraft Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 70.54% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Georgetown, SC 29440
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1952
- NCUA Charter #
- 60791
- RSSD ID
- 235099
- Members
- 18,425
- Potential members
- 95,900
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 1,341 credit unions with $100M to $1B in assets, as of Q2 2026. It is in the top quartile on 5 of 7 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 13.58% | 18.67% | 11.43% | over 90th top |
| Return on assets Middle half of peers: 0.43% to 1.23% | 1.90% | 0.81% | over 90th top |
| Return on equity Middle half of peers: 3.87% to 9.84% | 10.19% | 7.02% | 77th top |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 5.00% | 3.70% | over 90th top |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 72.14% | 76.55% | 64th above |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 0.65% | 1.24% | 89th top |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 0.95% | 0.68% | 35th below |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 5.65% | 4.92% | 85th position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 70.54% | 75.66% | 41st position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$191.9M total assets against $188.7M; $155.4M total shares and deposits against $154.3M; $109.6M total loans against $111.4M.
$35.8M net worth against $33.0M.
18.67% net worth ratio against 17.46%.
70.54% loan-to-share ratio against 72.18%.
0.95% delinquency ratio against 1.09%.
1.90% return on assets against 2.09%; 10.19% return on equity against 11.99%.
5.00% net interest margin against 5.08%.
18,425 members against 16,984.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 18.67% | 1.90% | 0.95% | 70.54% |
| March 31, 2026 | 18.04% | 1.26% | 0.96% | 69.61% |
| December 31, 2025 | 18.23% | 1.64% | 0.96% | 71.74% |
| September 30, 2025 | 17.96% | 1.47% | 0.90% | 72.43% |
| June 30, 2025 | 17.46% | 2.09% | 1.09% | 72.18% |
| March 31, 2025 | 17.01% | 1.90% | 0.57% | 71.83% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.