Credit union · NCUA insured
Kinetic Credit Union
Top CarrotA $660.7M credit union headquartered in Columbus, GA, with 44,676 members and 5 branches in 2 states. Best rates: CDs 3.25% and savings 1.00% APY.
Kinetic Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 79% of U.S. banks and credit unions
#2 of 7 in Columbus, GA-AL metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Kinetic Credit Union
- Headquarters
- 1251 13th St, Columbus, GA 31901-2227
- NCUA charter
- 10866
Branches
5 branches in 2 states
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Georgia
4 branches
- 13th Center BranchMain office1251 13th St, Columbus, GA 31901Directions
- North Branch7300 Veterans Pkwy, Columbus, GA 31909Directions
- Peachtree Branch4811 Bankers Blvd, Columbus, GA 31909Directions
- Lakeside Village6516 Kitten Lake Dr, Midland, GA 31820Directions
Alabama
1 branch
- 280 Branch3722 US Highway 431 N, Phenix City, AL 36867Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 14.08% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 1.55% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.31% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $78 | $76 | — |
- CapitalNet worth ratio14.08%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late1.55%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.31%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$78Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Kinetic Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.