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.

From Q2 2025 to Q2 2026, the score fell 11 points (77 → 66), mostly because the earnings component weakened by 52 points.

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

Similar-size credit unions in Georgia

Yes. Kinetic Federal Credit Union is a federally insured credit union (NCUA charter #10866). 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 7.5% of shares and deposits ($42.6M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 14.08%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

Kinetic Federal Credit Union lists 6 offices in 3 cities across 2 states. Most locations:

• Columbus, GA (4)
• Midland, GA (1)
• Phenix City, AL (1)

All branch addresses and map

In 2025, Kinetic Federal Credit Union reported 136 home-loan applications under HMDA (LEI 54930020YFOV56MQ7B70): 70 originated ($7,600,000 total), 44 denied, and 12 withdrawn or closed by the applicant. Its denial rate on decided applications was 35.5%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Legal name

Kinetic Federal Credit Union

Type

Federal credit union

NCUA charter #

10866

RSSD ID

807683

Primary regulator

NCUA

Established

1956

Headquarters

P.O. Box 9818, Columbus, GA 31908

Employees

130