Frankfort, KY · Charter 61437
NCUA · 18 branches
Q4 2024
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.81% | 0.90% | 0.82% | 0.81% | 2.36% | 1.36% | 1.43% | 1.16% | +35 bps | |
| Return on Equity | 6.98% | 7.69% | 7.08% | 7.00% | 20.05% | 11.39% | 12.09% | 10.14% | +314 bps | |
| Net Interest Margin | 3.19% | 3.17% | 3.12% | 3.05% | 3.03% | 3.15% | 3.11% | 3.06% | +1 bps | |
| Efficiency Ratio | 75.02% | 74.21% | 75.22% | 72.96% | 54.27% | 64.12% | 62.86% | 64.67% | -828 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.46% | 7.23% | 7.28% | 9.06% | 9.22% | 6.81% | 9.86% | 11.75% | +269 bps | |
| Loan Growth (YoY) | 16.20% | 12.79% | 10.50% | 10.26% | 9.17% | 11.55% | 12.41% | 10.37% | +11 bps | |
| Share Growth (YoY) | 4.41% | 6.08% | 7.74% | 9.38% | 8.83% | 6.59% | 8.50% | 12.01% | +264 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.26% | 0.37% | 0.44% | 0.51% | 0.43% | 0.62% | 0.65% | 0.70% | +19 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.64% | 11.69% | 11.64% | 11.51% | 11.78% | 11.92% | 11.79% | 11.39% | -12 bps | |
| Net Worth / Assets | 11.64% | 11.69% | 11.64% | 11.51% | 11.78% | 11.92% | 11.79% | 11.39% | -12 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 85.00% | 84.77% | 84.63% | 85.98% | 85.26% | 88.72% | 87.68% | 84.71% | -126 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |