D
First Federal Savings and Loan Association
Rating Date
October 2025
Risk Based
Capital Ratio
40.06
Leverage
Ratio
25.78
Return On
Assets
0.30%
Total
Assets
41.45M
Capital
10.57M
Total
Deposits
29.03M
Net
Income
91.00K
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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 6.20
Capitalization Index 10.00
Liquidity Index 0.10
Profitability Index 2.40
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 5.17%
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 3.05%
Non-Performing Loans to Capital 6.16%
Non-Performing Loans to Loans 3.43%
Balance Sheet First Federal Savings and Loan Association
Morehead, KY 		Click to
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Total Assets 41.45M
Total Deposits 29.03M
Capital and Reserves First Federal Savings and Loan Association
Morehead, KY 		Click to
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Capital 10.57M
Leverage Ratio 25.78
Loan Loss Reserves to Loans 1.22%
Risk-Based Capital Ratio 40.06
Liquidity First Federal Savings and Loan Association
Morehead, KY 		Click to
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Hot Money Ratio 41.41%
Liquidity Ratio 12.14%
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 91.00K
Net Interest Spread 3.56%
Operating Profit to Average Assets 0.38%
Overhead Efficiency Ratio 88.86%
Return on Assets 0.30%
Return on Equity 1.16%