Deposit Analytics Intelligence

Decision Pipeline • Q4 2024 • Total Deposits: $487.2M

Total Deposits
$487.2M
↑ 3.2% YoY
Retention Rate
94.3%
↑ 1.1% vs prior
Rate Sensitivity
68%
High sensitivity
Net Interest Margin
3.28%
Target: 3.50%

Deposit Actions Required

Key Insights

WARNING
Elevated Rate Sensitivity — 68% high-sensitivity
POSITIVE
Strong Deposit Growth — 3.2% YoY to $487.2M
POSITIVE
Competitive Rate Position — At or above market
ATTENTION
Certificate Maturities — $12.5M in 30 days

Deposit Growth Trend

Total deposits by quarter ($M)

Rate Sensitivity Distribution

Member base by rate sensitivity

Competitive Rate Positioning

Your rates vs market and top quartile

Profitability by Segment

Average annual profit by balance tier

Rate Gap Analysis

ProductYour RateMarket AvgTop QuartileGap to MarketGap to Top