Kingston City, TN · Charter 68098
NCUA · 1 branch
Q4 2024
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2024, the quarter ended December 31, 2024, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,721 to 1,724). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
94
Asset Quality
20
Profitability
62
Liquidity
100
Efficiency
24
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Kingston City, TN · Charter 68098
NCUA · 1 branch
Q4 2024
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.61% | 1.04% | 0.51% | 0.53% | 0.80% | +19 bps | |
| Return on Equity | 2.39% | 4.00% | 1.94% | 2.03% | 3.19% | +80 bps | |
| Net Interest Margin | 5.53% | 5.64% | 5.46% | 5.55% | 5.45% | -8 bps | |
| Efficiency Ratio | 89.88% | 84.33% | 92.41% | 92.68% | 88.18% | -170 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.50% | -6.44% | -3.22% | -3.24% | 2.30% | +780 bps | |
| Loan Growth (YoY) | -4.32% | -7.27% | -6.78% | -13.00% | -18.58% | -1,426 bps | |
| Share Growth (YoY) | -7.82% | -9.51% | -5.17% | -5.13% | 3.82% | +1,164 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.42% | 1.91% | 1.70% | 1.63% | 1.63% | -79 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.81% | 0.81% | 0.81% | 0.81% | 0.81% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 25.62% | 26.03% | 26.24% | 26.07% | 25.06% | -57 bps | |
| Net Worth / Assets | 25.62% | 26.03% | 26.24% | 26.07% | 25.06% | -57 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 92.72% | 90.99% | 92.07% | 85.84% | 72.72% | -2,000 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Kingston City, TN · Charter 68098 · Peer group: credit unions under $1B in assets (n=1,721-1,724)
NCUA · 1 branch
Q4 2024
Return on Assets
0.80%
Rank 721 of 1,724
Net Interest Margin
5.47%
Rank 103 of 1,723
Efficiency Ratio
87.88%
Rank 1,308 of 1,721
Equity / Assets
25.06%
Rank 100 of 1,723
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.80% | 0.25% | 0.67% | 1.13% | Beats 58% | 721 / 1,724 | |
| Return on Equity | 3.19% | 1.95% | 5.34% | 8.54% | Beats 34% | 1,133 / 1,723 | |
| Net Interest Margin | 5.47% | 3.03% | 3.61% | 4.27% | Beats 94% | 103 / 1,723 | |
| Efficiency Ratio | 87.88% | 69.84% | 78.36% | 87.50% | Beats 24% | 1,308 / 1,721 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.62% | 0.28% | 0.70% | 1.38% | Beats 20% | 1,376 / 1,721 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 25.06% | 10.16% | 12.41% | 16.03% | Beats 94% | 101 / 1,724 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 25.06% | 10.15% | 12.41% | 16.03% | Beats 94% | 100 / 1,723 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 72.72% | 55.95% | 72.66% | 85.34% | 50th pctl | 858 / 1,722 | |
| Loans / Assets | 54.50% | 47.91% | 62.00% | 72.82% | 36th pctl | 1,111 / 1,723 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||