PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Kingsport Press CU

Kingsport, TN · Charter 68104

NCUA · 3 branches

Q2 2026

$95.6MAssets
$58.6MLoans
$79.5MShares
$15.7MNet Worth

Executive Summary

  • Earnings: ROA of 1.63%, up 12 bps year over year; NIM at 2.97%.
  • Asset quality: problem loans at 0.40% of loans (+12 bps YoY).
  • Capital: net worth / assets of 16.38%, up 97 bps from a year ago.
  • Funding: loans stand at 73.66% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

1.63%+12 bps YoY

Net Interest Margin (YTD, annualized)

2.97%+6 bps YoY

Efficiency Ratio (YTD, annualized)

58.39%-352 bps YoY

Net Worth / Assets

16.38%+97 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.52%1.48%1.25%1.51%1.64%1.76%1.47%1.63%+12 bps
Return on Equity10.05%9.72%8.24%9.79%10.40%10.99%9.19%9.94%+14 bps
Net Interest Margin2.94%2.91%2.89%2.91%2.95%2.93%2.93%2.97%+6 bps
Efficiency Ratio58.46%58.65%61.53%61.91%60.38%59.79%57.55%58.39%-352 bps
Growth
Asset Growth (YoY)6.92%7.95%6.71%6.77%6.15%6.94%6.79%5.78%-99 bps
Loan Growth (YoY)-0.27%-0.23%-1.91%1.12%1.64%0.43%2.78%2.31%+118 bps
Share Growth (YoY)5.47%7.29%6.35%6.39%5.04%5.61%5.46%4.31%-208 bps
Asset Quality
Delinquent Loans / Loans0.32%0.48%0.04%0.28%0.25%0.15%0.18%0.40%+12 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital15.08%15.27%15.15%15.41%15.78%16.04%15.98%16.38%+97 bps
Net Worth / Assets15.08%15.27%15.15%15.41%15.78%16.04%15.98%16.38%+97 bps
Liquidity & Funding
Loans / Shares77.98%77.30%74.08%75.10%75.46%73.51%72.19%73.66%-144 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps