TellerScore

Georgetown Kraft Credit Union is a federally insured state-chartered credit union headquartered in Georgetown, South Carolina, in business for about 74 years. At the end of Q2 2026 it reported $191.9M in total assets and $155.4M in member shares and deposits, with 5 offices.

Georgetown Kraft Credit Union has a TellerScore of 87 out of 100 (very strong) based on Q2 2026 data — higher than 91% of its 1,341 credit unions with $100 million – $1 billion. Among 45 credit unions headquartered in South Carolina, it ranks 8th. Capital cushion contributes the most (100/100, 18.67%); loan quality contributes the least (68/100, 0.95%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 18.67%
Loan quality68/100
Loans 60+ days delinquent ÷ total loans: 0.95%
Earnings84/100
Return on assets (annualized): 1.59%
Funding & liquidity90/100
Loans ÷ shares: 70.5% · 3.0% uninsured
Problem-loan coverage94/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.89%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (88 → 87).

TellerScore
848892Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202490
Q3 202490
Q4 202490
Q1 202592
Q2 202588
Q3 202589
Q4 202588
Q1 202684
Q2 202687
Net worth ratio
7.00%12.84%18.67%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202416.82%
Q3 202416.87%
Q4 202417.23%
Q1 202517.01%
Q2 202517.46%
Q3 202517.96%
Q4 202518.23%
Q1 202618.04%
Q2 202618.67%
Delinquent loans (60+ days)
0.57%0.83%1.09%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.65%
Q3 20240.65%
Q4 20240.70%
Q1 20250.57%
Q2 20251.09%
Q3 20250.90%
Q4 20250.96%
Q1 20260.96%
Q2 20260.95%
Return on assets
1.26%1.63%1.99%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.86%
Q3 20241.82%
Q4 20241.84%
Q1 20251.90%
Q2 20251.99%
Q3 20251.83%
Q4 20251.77%
Q1 20261.26%
Q2 20261.59%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202687$191.9M18.67%0.95%1.59%70.5%
Q1 202684$193.6M18.04%0.96%1.26%69.6%
Q4 202588$188.2M18.23%0.96%1.77%71.7%
Q3 202589$187.3M17.96%0.90%1.83%72.4%
Q2 202588$188.7M17.46%1.09%1.99%72.2%
Q1 202592$188.0M17.01%0.57%1.90%71.8%
Q4 202490$180.4M17.23%0.70%1.84%75.5%
Q3 202490$179.6M16.87%0.65%1.82%74.8%
Q2 202490$175.2M16.82%0.65%1.86%76.7%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio18.67%
96th
Problem loans0.95%
33rd
Net charge-offs0.87%
13th
Return on assets1.59%
91st
Loans to deposits70.5%
60th
Uninsured deposits3.0%
82nd
Loan-loss reserves0.00%
50th
Texas ratio2.9%
63rd

Similar-size credit unions in South Carolina

InstitutionScoreAssetsCapitalProblem loansCompare
Mid Carolina Credit UnionCredit union Lugoff, SC77 out of 100, Strong$181.8M12.7%0.66%vs
Greenville Heritage Federal Credit UnionCredit union Greenville, SC80 out of 100, Strong$181.2M12.5%0.34%vs
Caro Federal Credit UnionCredit union Columbia, SC77 out of 100, Strong$174.9M15.4%0.88%vs
Carolina Foothills Federal Credit UnionCredit union Spartanburg, SC70 out of 100, Strong$224.3M12.0%1.30%vs
Upstate Federal Credit UnionCredit union Anderson, SC64 out of 100, Moderate$148.5M9.8%0.26%vs
Spc Credit UnionCredit union Hartsville, SC66 out of 100, Moderate$265.8M11.4%1.13%vs

Deposit insurance

Is my money safe at Georgetown Kraft Credit Union?

Yes. Georgetown Kraft Credit Union is a federally insured credit union (NCUA charter #60791). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 3.0% of shares and deposits ($4.7M) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 18.67%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

5 locations

Branches

Georgetown Kraft Credit Union lists 5 offices in 4 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Georgetown Kraft Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
60791
RSSD ID
235099
Primary regulator
State + NCUA
Established
1952
Headquarters
1379 N Fraser St, Georgetown, SC 29440
Employees
76

Quick answers

Georgetown Kraft Credit Union: common questions

Is Georgetown Kraft Credit Union NCUA insured?

Yes. Georgetown Kraft Credit Union is a federally insured credit union (NCUA charter #60791). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Georgetown Kraft Credit Union's TellerScore?

87 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Georgetown Kraft Credit Union have?

5 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Georgetown

InstitutionScoreAssetsCapitalProblem loansCompare
The Conway National BankBank Conway, SC79 out of 100, Strong$2.0B10.2%0.02%vs
South Carolina Federal Credit UnionCredit union North Charlesto, SC76 out of 100, Strong$2.6B13.3%0.60%vs
Bank of GreeleyvilleBank Greeleyville, SC75 out of 100, Strong$160.1M10.6%0.38%vs
The Citizens BankBank Olanta, SC74 out of 100, Strong$1.1B9.9%0.18%vs
United BankBank Fairfax, VA74 out of 100, Strong$33.6B11.6%0.44%vs
Coastal Carolina National BankBank Myrtle Beach, SC71 out of 100, Strong$1.4B9.4%0.00%vs