# KINETIC
Columbus, GA · NCUA charter 10866 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/kinetic-10866

Who the members are: federal charter, community charter, organized 1956, low-income designated. 44,676 members of 448,000 potential (10.0% of the field); checking penetration 47% (share draft accounts per 100 members); loans per 100 members 58.

**Verdict on the desk:** this could be *stressed*. Composite score 7 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $660.7M |
| Members | 44,676 (-1.9% YoY) |
| Full-time staff | 129 |
| Net worth | $91.8M |
| Net worth ratio | 13.9% (p87 of band) |
| ROA (annualized) | -0.43% (p2 of band) |
| Total delinquency | 1.35% (p91 of band) |
| Net charge-offs (annualized) | 1.22% (p93 of band) |
| Loans / shares | 76% (p35 of band) |
| Cash / assets | 22.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.28% (p2 of band) |
| Operating expense / assets | 3.67% (p56 of band) |
| Vehicles % of loans | 68% (p99 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 67% |
| Third-party paper % of net worth | 214% (p76 of band) |
| Vehicle delinquency | 1.52% (p90 of band) |
| Vehicle NCO | 1.52% (p75 of band) |
| Repossessed % of vehicle book | 0.12% (p70 of band) |
| Real estate % of loans | 14% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 42% |
| Core shares % of member funds | 46% |
| Certificates % of member funds | 32% |
| Average share balance | $7,087 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $0 |
| Loans outstanding per 100 members | 58% |
| Loans granted per 100 members, annualized | 11% |
| Average loan balance | $16,674 |
| Loans granted, annualized | $149.8M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $0 outstanding purchased (0.0% of net worth), $16.2M sold and retained. Sold in 7 and bought in 0 of the last 8 quarters. Shares 10.4% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **margin squeeze** (`earn_nim_squeeze`)
- **delinquency 2x band** (`aq_dq_high`)
- **charge-offs p90** (`aq_nco_high`)
- **3rd-party paper>100% NW** (`str_thirdparty`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 4 | expense trap, charge-offs p90, 3rd-party paper>100% NW, auto monoline |  |
| 2016-06 | 5 | losing money |  |
| 2016-09 | 5 |  |  |
| 2016-12 | 5 |  |  |
| 2017-03 | 4 |  | losing money |
| 2017-06 | 4 |  |  |
| 2017-09 | 4 |  |  |
| 2017-12 | 5 | members leaving |  |
| 2018-03 | 5 |  |  |
| 2018-06 | 5 |  |  |
| 2018-09 | 4 |  | charge-offs p90 |
| 2018-12 | 4 |  |  |
| 2019-03 | 2 |  | expense trap, members leaving |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 3 | expense trap |  |
| 2020-03 | 3 | charge-offs p90 | expense trap |
| 2020-06 | 3 | net worth falling | charge-offs p90 |
| 2020-09 | 4 | margin squeeze |  |
| 2020-12 | 3 |  | net worth falling |
| 2021-03 | 3 |  |  |
| 2021-06 | 2 |  | margin squeeze |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 3 | charge-offs p90 |  |
| 2022-06 | 3 | delinquency 2x band | charge-offs p90 |
| 2022-09 | 4 | delinquency rising |  |
| 2022-12 | 4 |  |  |
| 2023-03 | 4 |  |  |
| 2023-06 | 3 |  | delinquency rising |
| 2023-09 | 3 |  |  |
| 2023-12 | 2 |  | delinquency 2x band |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 3 | delinquency 2x band |  |
| 2024-12 | 3 |  |  |
| 2025-03 | 2 |  | delinquency 2x band |
| 2025-06 | 3 | delinquency 2x band |  |
| 2025-09 | 3 |  |  |
| 2025-12 | 3 |  |  |
| 2026-03 | 7 | net worth falling, losing money, margin squeeze, charge-offs p90 |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2018-07-09 [TIC Federal Credit Union announces name change effective March 10 - WTVM.com](https://news.google.com/rss/articles/CBMipAFBVV95cUxQNnJmQ3p6RTRfOEJsRFRqT3ZIWWdfbFh0Tl9oclZmV3F2ZmNhUU9HZFhqWTlTQk10czRFRTJIYmdIcmVpby03djd6dDBVdjBkMVY0TU9Pb1lSUXJyMEh5SkJGeUFwYUZVcTZUT3N3QmZPazNnbjF2VHpYVk9VYUhseUVXTTE4cVFjZ3lGeXFRZklNV1lINm9MRWxfeTVLRGxkRVcxbNIBtwFBVV95cUxNbUlnRFFFa2oydHlsbXk4bVM0b25QSE1xS2YxanV5VUhrbWZfb2hRMTZ0bms5aHJ6RzQ5Y0V5RWdvSDUtN2FRUGlya2p0b2xTR0U5Mm1oczl4SWtDa0NUemNuQmRoLUF6UV9aNHBoQkRoQTZIRkdHOXBHUFEtS1V6aUhpMFduQ1FCVlhyS0tDelJxbHY0QzAyeDI4NmNiMW5KWE1MTDJDTFpRRmxLQ2RaZWV6X1prRjQ?oc=5) · WTVM.com
- 2021-07-22 [Kinetic Credit Union hosts annual ‘Giving Day’ for Columbus organizations - WRBL](https://news.google.com/rss/articles/CBMipgFBVV95cUxOSFhrd1prRERvdjJuU1p6MGlXTFFRYUg0M1J4X0RMaXNVUXpvSm02elREM0tja2ZZOFN6RUljTXRIWGpLMnJfQnVldi1mNVlDQUJwSzNuMWFOWmRWVGhDOGVBUXRLQ2g0VGJ0T2FKMGVuM1dSbVZkNnh1ZF9JUkZHRm5PQTM5NU10R0tZLUVOY2ltaDJDWXc1VHRSQ05SeUlwNlJXUlJR0gGrAUFVX3lxTE9yY3p5QkFYanB2RldVSkNCaUdDTUt0cVo2XzlxZEg1emp1YkdEMy12SklPVW9GUmRXUkhxVXN0aWlkOHVjcHlXLXliaElKcHVzMUdoSGFERGNaenE2RDdnNDZNbFZkWGJJaHVqV3lBTWdvV0l5eFYybUdJSHNuRTBZbHphU1JHMkdmWWtNRTZxZW04LTZBQ2hCZ1QyRmJwel9tV292c21OMTNXUQ?oc=5) · WRBL
- 2019-12-16 [Kinetic Credit Union VP to retire; new VP named - WTVM.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxNQmxrZzNjWmxZajJoUlBKYW9zaDBoUGFYWHJhY1ZQbDBxVlQ2MnJmWEM1dzUxZ0FmUUpESTVLUjNWN3JIbHRHTUxnYlRMd2JUSWt2SGl0Zl9qTXRPR2tGczRkd01fcWhndG8wNkN2cFVDVFEyWWxkU1dpZVk2Uk5renZB0gGWAUFVX3lxTE5zUFJmZl9YcFluVHQ2VFVyRHlZRXZkR1N5VkVCUXVkeHQxM0MzZm5nTlB0MmVGTzF5blFUbl9wTTB2QXdJZFJuamdYN0dscjVSQ2ZMTl9uSF9IS3dmQU9kMnlOcDZHeGprVmhxYUs5VUw3cVBsdjhubDZyV0R1TGc1Tk1FbVp5M3pyNFJOaUdueU5mYTdaZw?oc=5) · WTVM.com
- 2017-12-06 [Kinetic Credit Union names new CEO - WRBL](https://news.google.com/rss/articles/CBMibkFVX3lxTE5tX21GdXB6MnIyZ2RnMFhPQ2N3ZGhEOGdhc0hnNFp6bkNOeTd3dUVzc29yYnVCa1dpNWQ3emgxdExPbG5Jd2h4YWhSdV82NDc4WU9KTHFhUk5SeXpDNzlkMmFleGhqNDBGX2R5V0d30gFzQVVfeXFMTkU5dUlDZ3huUzdrUjFhZ1NMTGw4U0QtWEpaek5ZVWYtVzRHTGxfNXJFXzcza2NxdUNPektDRG84ZE9OTDhsaHVaWmFLNGVSNzgyejFSZ2RmMm85UmVjS1JYajF1YTZHQlJFV3hzS0NSN0dSaw?oc=5) · WRBL
- 2021-07-22 [Kinetic Credit Union celebrates month of giving by donating to local organizations - WTVM.com](https://news.google.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?oc=5) · WTVM.com
- 2020-09-03 [Richards Middle School Teacher Awarded Kinetic Credit Union Golden Apple Award - WRBL](https://news.google.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?oc=5) · WRBL
- 2017-06-27 [Midtown Columbus Kinetic Credit Union reopens following renovation - WTVM.com](https://news.google.com/rss/articles/CBMipgFBVV95cUxONDhrb1NpODJxSTcxNmVjSTJsNXNYUUhOdDlTdjRtekpUcTdPc1V3RzlvZmRrYVl5Sks0OFNjb2F6aHdQUkY1VWZmWnAzZ2RUMUs3R0pyWjZsa1dTOEN0QVZheXRsUDdnQk1fMnJsSVRVeVBxeElab1pWczcyTVY2WGF1ZG5kQnJleGxyWm02eGZ4d1NqX25ET3lxOEF1djUwcnBlaUJB0gG4AUFVX3lxTE9HMDc3SC1hX3JQRU85OHE4WFdheHpUN0FsRDVvdkJtZTFxdVJ3SWVHTlpiWGlnRW9TUVFZUDlxRU4wbTNhRjNxSzA5TXJfS2s2RjBPUDJ0b1dQdjRwR0xjUjBGaXdjaHlBSmhpRk1lblFYY2UxUmFybkM5T0JCWWlEbHE3NXRTRHBnTzVRZ3lOWWRfck8yNXZIVXlWdUtHc2N3UnRMMjRUZWI4b2tWbnJFbFFuQXJkTjU?oc=5) · WTVM.com
- 2019-04-09 [Vice president of Kinetic Credit Union named ‘Professional of the Year’ - WTVM.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxQVkwxelFIMXRPeS1FeVFQRHYta1Fid3ZLaFlDNDJpU2RZcUdpSk1uWHhqYlBBcFBES09hcGVxVzc4RW5QWmdoYTloLVlsekVwVUJFZ25qQ1pfaFhMVmdPVXdOOVROdmxFNFhTWVIzR2JPQ0x0TUxFNnB2aHNXUEQwU28zVDhMY2lkUE5nR3hZR3JqdWMxV0lz0gGrAUFVX3lxTE1KelZpNkp1d1M1Z3RlQWRWZ1FBVGppVm1ubVMtUUQ2N1V5U2doZkpmdHl5c1BCOHRjQmVHWDRXbjNCNWNEZ0t3TjVKRVliYWNXUHVlclF2cVM0UXMwWTZ3ZEV2VDJQR3RTYkM0bFR6b18xVk9qdFRqY3pWbnk0TjVuUlBZeTBEYVVtS3N4QzRPWVJVSkpBTk9JVFBGRlhwY2dZWlo1cmNrdE9MSQ?oc=5) · WTVM.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=10866 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/50.json (key "10866", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=10866
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide