D
First Federal Savings and Loan Association
Rating Date
October 2025
Risk Based
Capital Ratio
40.90
Leverage
Ratio
26.11
Return On
Assets
0.33%
Total
Assets
40.55M
Capital
10.47M
Total
Deposits
28.31M
Net
Income
66.00K
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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 5.80
Capitalization Index 10.00
Liquidity Index 0.10
Profitability Index 2.20
Stability Index 6.70
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 4.49%
5-Year Asset Growth 4.07%
5-Year Charge-Offs to Average Loans 0.03%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 2.57%
Non-Performing Loans to Capital 9.14%
Non-Performing Loans to Loans 2.90%
Balance Sheet First Federal Savings and Loan Association
Morehead, KY 		Click to
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Total Assets 40.55M
Total Deposits 28.31M
Capital and Reserves First Federal Savings and Loan Association
Morehead, KY 		Click to
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Capital 10.47M
Leverage Ratio 26.11
Loan Loss Reserves to Loans 1.24%
Risk-Based Capital Ratio 40.90
Liquidity First Federal Savings and Loan Association
Morehead, KY 		Click to
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Hot Money Ratio 41.24%
Liquidity Ratio 12.69%
Profitability First Federal Savings and Loan Association
Morehead, KY 		Click to
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5-Year Return on Average Assets 0.20%
Net Income 66.00K
Net Interest Spread 3.59%
Operating Profit to Average Assets 0.42%
Overhead Efficiency Ratio 87.97%
Return on Assets 0.33%
Return on Equity 1.27%