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Kingsbury Employees

Keene, NH · Charter 13073

NCUA · 1 branch

Q4 2018

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2018, the quarter ended December 31, 2018, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Kingsbury Employees

Keene, NH · Charter 13073

NCUA · 1 branch

Q4 2018

$19.3MAssets
$9.0MLoans
$17.4MShares
$1.9MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.16%, up 129 bps year over year; NIM at 3.18%.
  • Asset quality: problem loans at 0.51% of loans (-151 bps YoY).
  • Capital: net worth / assets of 9.80%, up 71 bps from a year ago.
  • Funding: loans stand at 51.67% of shares as of Q4 2018.

Financial Results

Return on Assets (YTD, annualized)

1.16%+129 bps YoY

Net Interest Margin (YTD, annualized)

3.18%+30 bps YoY

Efficiency Ratio (YTD, annualized)

74.28%-2,052 bps YoY

Net Worth / Assets

9.80%+71 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2017Q1 2018Q2 2018Q3 2018Q4 2018YoY ΔTrend
Earnings
Return on Assets-0.13%0.38%0.40%0.80%1.16%+129 bps
Return on Equity-1.43%4.40%4.61%8.78%11.82%+1,325 bps
Net Interest Margin2.87%2.75%2.82%2.97%3.18%+30 bps
Efficiency Ratio94.80%90.98%87.59%80.46%74.28%-2,052 bps
Growth
Asset Growth (YoY)10.26%11.14%10.99%5.72%3.33%-693 bps
Loan Growth (YoY)-1.21%4.39%11.83%13.13%16.53%+1,774 bps
Share Growth (YoY)11.23%11.85%11.62%5.12%2.48%-875 bps
Asset Quality
Delinquent Loans / Loans2.02%2.09%1.86%1.31%0.51%-151 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.55%1.53%1.31%1.39%1.21%-34 bps
Capital
Risk-Based Capital9.09%8.71%8.68%9.10%9.80%+71 bps
Net Worth / Assets9.09%8.71%8.68%9.10%9.80%+71 bps
Liquidity & Funding
Loans / Shares45.43%43.86%46.45%48.75%51.67%+623 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps