Kinetic Credit Union Columbus, Georgia
Kinetic Credit Union is a federal credit union headquartered in Columbus, GA, established in 1956 (NCUA charter 10866), and it is regulated and insured by the NCUA. At Q2 2026 it reported 44,849 members and total assets of $664.6M (up 8.1% from Q2 2025), the 11th largest of 71 credit unions headquartered in Georgia. Its net worth ratio was 14.08% at Q2 2026, in the well capitalized band.
Also written as Kinetic CU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 10866
- Headquarters
- Columbus, GA
- Established
- 1956
- Total assets, Q2 2026
- $664.6M
- Assets vs Q2 2025
- +8.1%
- Members, Q2 2026
- 44,849
- Net worth ratio, Q2 2026
- 14.08%
- Latest call report
- Q2 2026, NCUA 5300 · Kinetic Credit Union call report
- Asset rank in state
- 11th of 71 in Georgia
- Routing number
- 261171671
- Branches
- 7
It has 477 fewer members than on June 30, 2025 (-1.1%). Its net worth ratio was down 0.36 percentage points from 14.44% on June 30, 2025. Used vehicle loans are its largest loan category, $178.3M of $445.8M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.55% is above the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 14.08% net worth ratio is above that band's 11.43% median.
Credit unions similar in size in Georgia
Credit unions merged into Kinetic Credit Union
Mea Federal Credit Union (2016)
Frequently asked about Kinetic Credit Union
How big is Kinetic Credit Union?
At Q2 2026 it reported total assets of $664.6M and 44,849 members.
Where is Kinetic Credit Union headquartered?
It is headquartered in Columbus, GA, United States.
When was Kinetic Credit Union founded?
It was established in 1956, per NCUA records.
Is Kinetic Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 10866): 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 Kinetic Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Kinetic Credit Union well capitalized?
Its net worth ratio was 14.08% 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 Kinetic Credit Union's delinquency ratio?
Its delinquency ratio was 1.55% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Kinetic Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 78.28% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Columbus, GA 31901
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1956
- NCUA Charter #
- 10866
- RSSD ID
- 807683
- Members
- 44,849
- Potential members
- 448,000
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 2 of 7 ranked measures and in the bottom quartile on 1.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 13.58% | 14.08% | 11.43% | 78th top |
| Return on assets Middle half of peers: 0.43% to 1.23% | 1.05% | 0.81% | 64th above |
| Return on equity Middle half of peers: 3.87% to 9.84% | 7.46% | 7.02% | 54th above |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 4.05% | 3.70% | 72nd above |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 66.98% | 76.55% | 78th top |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 1.27% | 1.24% | 48th below |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 1.55% | 0.68% | 14th bottom |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 5.32% | 4.92% | 72nd position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 78.28% | 75.66% | 56th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$664.6M total assets against $615.0M; $569.5M total shares and deposits against $526.3M; $445.8M total loans against $430.7M.
$93.6M net worth against $89.0M.
14.08% net worth ratio against 14.44%.
78.28% loan-to-share ratio against 81.84%.
1.55% delinquency ratio against 1.53%.
1.05% return on assets against 1.59%; 7.46% return on equity against 11.00%.
4.05% net interest margin against 4.27%.
44,849 members against 45,326.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 14.08% | 1.05% | 1.55% | 78.28% |
| March 31, 2026 | 13.90% | -0.43% | 1.35% | 76.46% |
| December 31, 2025 | 14.19% | 1.27% | 1.61% | 78.09% |
| September 30, 2025 | 14.63% | 1.88% | 1.70% | 80.46% |
| June 30, 2025 | 14.44% | 1.59% | 1.53% | 81.84% |
| March 31, 2025 | 14.40% | 1.66% | 1.15% | 83.65% |
Scroll sideways to see every column.
Watch flags
Loans 60+ days delinquent exceed 1% of the loan book, above the typical credit-union range. Worth watching the trend in coming quarters. BankRegReports early-warning band.
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.