D
First Federal Savings and Loan Association
Hazard,  KY
Rating Date
October 2025
Risk Based
Capital Ratio
--
Leverage
Ratio
20.74
Return On
Assets
0.18%
Total
Assets
85.80M
Capital
17.86M
Total
Deposits
59.46M
Net
Income
77.00K
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Weiss Ratings First Federal Savings and Loan Association
Hazard, KY 		Click to
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Rating D
Asset Quality Index 6.10
Capitalization Index 10.00
Liquidity Index 0.10
Profitability Index 1.90
Stability Index 5.40
Company Info First Federal Savings and Loan Association
Hazard, KY 		Click to
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FDIC Number 31197
Phone Number (606) 436-3860
Website www.firstfederalhazard.com
Asset Quality First Federal Savings and Loan Association
Hazard, KY 		Click to
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1-Year Asset Growth -4.49%
5-Year Asset Growth 1.11%
5-Year Charge-Offs to Average Loans 0.01%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 1.89%
Non-Performing Loans to Capital 8.88%
Non-Performing Loans to Loans 2.08%
Balance Sheet First Federal Savings and Loan Association
Hazard, KY 		Click to
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Total Assets 85.80M
Total Deposits 59.46M
Capital and Reserves First Federal Savings and Loan Association
Hazard, KY 		Click to
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Capital 17.86M
Leverage Ratio 20.74
Loan Loss Reserves to Loans 0.65%
Risk-Based Capital Ratio --
Liquidity First Federal Savings and Loan Association
Hazard, KY 		Click to
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Hot Money Ratio 32.07%
Liquidity Ratio 9.60%
Profitability First Federal Savings and Loan Association
Hazard, KY 		Click to
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5-Year Return on Average Assets 0.61%
Net Income 77.00K
Net Interest Spread 2.27%
Operating Profit to Average Assets 0.25%
Overhead Efficiency Ratio 88.49%
Return on Assets 0.18%
Return on Equity 0.86%