| Metric | Kingsport Press CU | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.8% | +1.3% | +5.5 pts |
| Share growth (YoY) | +5.5% | +0.7% | +4.8 pts |
| Loan growth (YoY) | +2.8% | -2.4% | +5.1 pts |
| ROA | 1.47% | 0.60% | +0.9 pts |
| ROE | 9.2% | 4.1% | +5.1 pts |
ROA ranks in the 84th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $95.3M | $79.7M | $57.6M | $15.2M | $350K | 1.47% | 2.93% | 0.18% | 6,138 |
| Q4 2025 | $92.7M | $77.5M | $57.0M | $14.9M | $1.6M | 1.76% | 2.93% | 0.15% | 6,200 |
| Q3 2025 | $91.0M | $76.4M | $57.6M | $14.4M | $1.1M | 1.64% | 2.95% | 0.25% | 6,267 |
| Q2 2025 | $90.3M | $76.2M | $57.3M | $13.9M | $682K | 1.51% | 2.91% | 0.28% | 6,295 |
| Q1 2025 | $89.2M | $75.6M | $56.0M | $13.5M | $278K | 1.25% | 2.89% | 0.04% | 6,408 |
| Q4 2024 | $86.7M | $73.4M | $56.8M | $13.2M | $1.3M | 1.48% | 2.91% | 0.48% | 6,467 |
| Q3 2024 | $85.7M | $72.7M | $56.7M | $12.9M | $974K | 1.52% | 2.94% | 0.32% | 6,519 |
| Q2 2024 | $84.6M | $71.7M | $56.6M | $12.6M | $663K | 1.57% | 2.96% | 0.16% |
| Ratio | Kingsport Press CU | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.47% | 0.60% | 84th | |
Return on equity Annualized net income ÷ equity or net worth | 9.2% | 4.1% | 81th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.93% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 6,644 |
Loan mix (Q1 2026): real estate $38.1M · commercial $0 · consumer $18.5M · securities $25.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.5% | 81.5% | 10th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Kingsport Press CU | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Kingsport Press CU | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Kingsport Press CU | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Kingsport Press CU | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.