Kingston City, TN · Charter 68098
NCUA · 1 branch
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 | 0.48% | 0.50% | 0.56% | 0.61% | 1.04% | 0.51% | 0.53% | 0.80% | +19 bps | |
| Return on Equity | 2.02% | 2.02% | 2.28% | 2.39% | 4.00% | 1.94% | 2.03% | 3.19% | +80 bps | |
| Net Interest Margin | 5.25% | 5.20% | 5.29% | 5.53% | 5.64% | 5.46% | 5.55% | 5.45% | -8 bps | |
| Efficiency Ratio | 92.57% | 90.70% | 89.71% | 89.88% | 84.33% | 92.41% | 92.68% | 88.18% | -170 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.09% | -10.90% | -6.12% | -5.50% | -6.44% | -3.22% | -3.24% | 2.30% | +780 bps | |
| Loan Growth (YoY) | 9.94% | 6.89% | 10.97% | -4.32% | -7.27% | -6.78% | -13.00% | -18.58% | -1,426 bps | |
| Share Growth (YoY) | -9.87% | -15.26% | -8.72% | -7.82% | -9.51% | -5.17% | -5.13% | 3.82% | +1,164 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.56% | 2.19% | 2.03% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.81% | 0.81% | 0.81% | 0.81% | 0.81% | 0.81% | 0.81% | 0.81% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 23.76% | 24.80% | 24.67% | 25.62% | 26.03% | 26.24% | 26.07% | 25.06% | -57 bps | |
| Net Worth / Assets | 23.76% | 24.80% | 24.67% | 25.62% | 26.03% | 26.24% | 26.07% | 25.06% | -57 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 88.79% | 93.66% | 93.61% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |