Credit Union Safety Analysis
Is Kinetic Credit Union Safe? Columbus, Georgia
Based on its Q2 2026 NCUA 5300 call report, Kinetic Credit Union has a net worth ratio of 14.08%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.55%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Kinetic Credit Union's net worth ratio is 14.08%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 14.08%
- Delinquency ratio (60+ days) (Q2 2026): 1.55%
- Return on assets (Q2 2026): 1.05%
- Loan-to-share ratio (Q2 2026): 78.28%
Kinetic Credit Union (NCUA charter 10866, established 1956) reported $664.6M in assets and 44,849 members for Q2 2026 from Columbus, Georgia. It ranks 11 of 71 credit unions in Georgia by total assets. Total assets grew 8.1% from $615.0M on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 13.90% for Q1 2026; 14.44% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 1.35% for Q1 2026; 1.53% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: -0.43% for Q1 2026; 1.59% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 76.46% for Q1 2026; 81.84% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $178.3M
- New vehicle loans: $126.8M
- 1- to 4-family residential and other consumer real estate loans: $61.0M
- Commercial loans: $38.7M
- Other unsecured loans and lines of credit: $20.6M
- Unsecured credit card loans: $14.5M
- Other secured non-real estate loans and lines of credit: $5.9M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $664.6M | 14.08% | 1.55% | 1.05% | 78.28% |
| March 31, 2026 | $660.7M | 13.90% | 1.35% | -0.43% | 76.46% |
| December 31, 2025 | $652.1M | 14.19% | 1.61% | 1.27% | 78.09% |
| September 30, 2025 | $627.5M | 14.63% | 1.70% | 1.88% | 80.46% |
| June 30, 2025 | $615.0M | 14.44% | 1.53% | 1.59% | 81.84% |
| March 31, 2025 | $599.9M | 14.40% | 1.15% | 1.66% | 83.65% |
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Free to use. It shows Kinetic Credit Union’s latest filed figures and updates each quarter.
How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Regulator records: NCUA credit union profile (charter 10866) · FFIEC NIC profile (RSSD 807683)
Frequently asked questions
Is Kinetic Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Kinetic Credit Union's net worth ratio is 14.08%, above the 7% NCUA threshold for well capitalized.
Is Kinetic Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Kinetic Credit Union is a federally insured credit union (NCUA charter 10866): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Kinetic Credit Union's key safety ratios?
For Q2 2026, Kinetic Credit Union reports net worth 14.08%, delinquency 1.55%, ROA 1.05%, loan-to-share 78.28%.
What happens to my money if Kinetic Credit Union fails?
For Q2 2026, Kinetic Credit Union held $569.5M in shares and deposits for 44,849 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.