KINETIC Credit Union Profile

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KINETIC

Charter #10866 | NCUA Region 2 | FCU

Low-Income Designation: Yes

Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (706) 320-8500

Fax: (706) 321-0850

Founding Date: N/A

Website: https://www.kineticCU.com

Personnel & Operations

President: Varner, Willie

Manager: Littleton, Mark

FT Employees: 127

PT Employees: 2

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 00

Branches: 7

Hours: Lobby - M-Fri 9:00 am - 5:00 pm Drive-Thru

Credit Union Profile Summary

KINETIC is a FCU Credit Union. With a total of 45,326 members ^[1], this institution manages approximately $614,993,347 in total assets ^[1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 14.44% ^[1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at -0.31% ^[1].

Financial Snapshot

Total Assets ^[1]

$614,993,347

Total economic resources.

Total Loans ^[1]

$430,719,232

Total value of outstanding loans.

Total Deposits ^[1]

$526,320,130

Total funds deposited by members.

Members ^[1]

45,326

Number of active members.

Performance Ratios

Net Worth Ratio ^[1]

14.44%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) ^[1]

1.65%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio ^[1]

81.84%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) ^[1]

↑ 9.38%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) ^[1]

↓ -0.31%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) ^[1]

↓ -1.49%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

1251 13th St

Columbus, GA, 31901-2227

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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

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Branch Locations

Found 8 branches reported by KINETIC (Charter #10866).

Main Office

13th Center Branch Main Office

Type: Corporate Office

1251 13th St

Columbus, GA 31901-2227

Phone: (706) 320-8500

Services: Member Services, ATM, Drive-Thru

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Additional Branches

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Midland

Lakeside Village

Type: Branch Office

6516 Kitten Lake Dr

Midland, GA 31820-3840

Phone: (706) 320-8500

Services: Member Services, ATM

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Phenix City

280 Branch

Type: Branch Office

3722 US Highway 431 N

Phenix City, AL 36867

Phone: (706) 320-8500

Services: Member Services, ATM, Drive-Thru

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