TellerScore

Rome Kraft Employees Credit Union is a federally insured state-chartered credit union headquartered in Coosa, Georgia, in business for about 71 years. At the end of Q2 2026 it reported $23.0M in total assets and $17.3M in member shares and deposits, with 2 offices across 2 states.

Based on its Q2 2026 filing, Rome Kraft Employees Credit Union scores 89/100, which we describe as very strong. That is higher than 87% of 2,479 credit unions with under $100 million in assets. Among 71 credit unions headquartered in Georgia, it ranks 9th. Its strongest component is capital cushion (100/100; 24.71%), and its lowest is funding & liquidity (63/100; 97% loans-to-deposits, 9% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 24.71%
Loan quality84/100
Loans 60+ days delinquent ÷ total loans: 0.49%
Earnings95/100
Return on assets (annualized): 1.88%
Funding & liquidity63/100
Loans ÷ shares: 97.4% · 9.5% uninsured
Problem-loan coverage97/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.44%

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

From Q2 2025 to Q2 2026, the score rose 3 points (86 → 89), mostly because the earnings component improved by 26 points.

TellerScore
808692Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202487
Q3 202484
Q4 202480
Q1 202584
Q2 202586
Q3 202589
Q4 202588
Q1 202692
Q2 202689
Net worth ratio
7.00%15.86%24.71%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 202422.52%
Q3 202423.27%
Q4 202424.07%
Q1 202523.92%
Q2 202522.26%
Q3 202523.84%
Q4 202524.12%
Q1 202624.37%
Q2 202624.71%
Delinquent loans (60+ days)
0.03%0.36%0.70%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20240.03%
Q3 20240.29%
Q4 20240.70%
Q1 20250.43%
Q2 20250.43%
Q3 20250.18%
Q4 20250.19%
Q1 20260.21%
Q2 20260.49%
Return on assets
0.89%1.42%1.95%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.89%
Q3 20240.92%
Q4 20240.97%
Q1 20251.18%
Q2 20251.23%
Q3 20251.42%
Q4 20251.41%
Q1 20261.95%
Q2 20261.88%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202689$23.0M24.71%0.49%1.88%97.4%
Q1 202692$22.8M24.37%0.21%1.95%97.5%
Q4 202588$22.6M24.12%0.19%1.41%96.6%
Q3 202589$22.6M23.84%0.18%1.42%95.0%
Q2 202586$23.7M22.26%0.43%1.23%88.0%
Q1 202584$21.8M23.92%0.43%1.18%95.0%
Q4 202480$21.4M24.07%0.70%0.97%97.4%
Q3 202484$21.8M23.27%0.29%0.92%93.5%
Q2 202487$22.3M22.52%0.03%0.89%88.2%

2,479 peers · Under $100 million in assets

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 ratio24.71%
88th
Problem loans0.49%
59th
Net charge-offs0.13%
55th
Return on assets1.88%
93rd
Loans to deposits97.4%
4th
Uninsured deposits9.5%
7th
Loan-loss reserves0.00%
37th
Texas ratio1.4%
59th

Similar-size credit unions in Georgia

InstitutionScoreAssetsCapitalProblem loansCompare
Glynn County Federal Employees Credit UnionCredit union Brunswick, GA62 out of 100, Moderate$23.0M19.2%2.54%vs
Georgia Power Valdosta Federal Credit UnionCredit union Valdosta, GA84 out of 100, Strong$22.9M15.2%0.69%vs
Savannah Postal Credit UnionCredit union Savannah, GA60 out of 100, Moderate$24.6M15.1%5.80%vs
Northside Federal Credit UnionCredit union Atlanta, GA88 out of 100, Very strong$20.8M18.9%0.54%vs
Genuine Parts Credit UnionCredit union Norcross, GA87 out of 100, Very strong$19.5M79.2%0.00%vs
Southern Pine Credit UnionCredit union Lake Park, GA82 out of 100, Strong$27.6M23.7%0.79%vs

Deposit insurance

Is my money safe at Rome Kraft Employees Credit Union?

Yes. Rome Kraft Employees Credit Union is a federally insured credit union (NCUA charter #60707). 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 9.5% of shares and deposits ($1.6M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 24.71%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Rome Kraft Employees Credit Union lists 2 offices in 2 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Rome Kraft Employees Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
60707
RSSD ID
526292
Primary regulator
State + NCUA
Established
1955
Headquarters
P.O. Box 387, Coosa, GA 30129
Employees
4

Quick answers

Rome Kraft Employees Credit Union: common questions

Is Rome Kraft Employees Credit Union NCUA insured?

Yes. Rome Kraft Employees Credit Union is a federally insured credit union (NCUA charter #60707). 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 Rome Kraft Employees Credit Union's TellerScore?

89 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 Rome Kraft Employees Credit Union have?

2 offices as of the latest NCUA data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Coosa

InstitutionScoreAssetsCapitalProblem loansCompare
First National Community BankBank Chatsworth, GA84 out of 100, Strong$754.7M12.9%0.43%vs
River City BankBank Rome, GA77 out of 100, Strong$423.4M10.1%0.00%vs
First Southern State BankBank Stevenson, AL77 out of 100, Strong$893.5M10.6%0.25%vs
Bank OZKBank Little Rock, AR76 out of 100, Strong$41.7B14.0%0.92%vs
Peoples Bank of AlabamaBank Cullman, AL76 out of 100, Strong$1.4B11.2%0.56%vs
The Southern Bank CompanyBank Gadsden, AL76 out of 100, Strong$133.1M15.1%1.89%vs