D
First Federal Savings and Loan Association
Rating Date
June 2026
Risk Based
Capital Ratio
39.93
Leverage
Ratio
25.97
Return On
Assets
0.62%
Total
Assets
40.84M
Capital
10.52M
Total
Deposits
29.93M
Net
Income
63.00K
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Weiss Ratings First Federal Savings and Loan Association
Morehead, KY 		Click to
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Rating D
Asset Quality Index 5.70
Capitalization Index 10.00
Liquidity Index 0.10
Profitability Index 2.90
Stability Index 6.60
Company Info First Federal Savings and Loan Association
Morehead, KY 		Click to
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FDIC Number 31409
Phone Number (606) 784-4187
Website --
Asset Quality First Federal Savings and Loan Association
Morehead, KY 		Click to
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1-Year Asset Growth 2.65%
5-Year Asset Growth 3.38%
5-Year Charge-Offs to Average Loans 0.04%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 2.70%
Non-Performing Loans to Capital 7.22%
Non-Performing Loans to Loans 2.98%
Balance Sheet First Federal Savings and Loan Association
Morehead, KY 		Click to
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Total Assets 40.84M
Total Deposits 29.93M
Capital and Reserves First Federal Savings and Loan Association
Morehead, KY 		Click to
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Capital 10.52M
Leverage Ratio 25.97
Loan Loss Reserves to Loans 1.23%
Risk-Based Capital Ratio 39.93
Liquidity First Federal Savings and Loan Association
Morehead, KY 		Click to
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Hot Money Ratio 44.28%
Liquidity Ratio 10.21%
Profitability First Federal Savings and Loan Association
Morehead, KY 		Click to
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5-Year Return on Average Assets 0.21%
Net Income 63.00K
Net Interest Spread 4.02%
Operating Profit to Average Assets 0.78%
Overhead Efficiency Ratio 80.71%
Return on Assets 0.62%
Return on Equity 2.39%