Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 13.3 and a net worth ratio of 16.2. Operating profits as a percentage of assets at 1.7%, coupled with a return on assets of 1.8 has resulted in Excellent (9.5) profitability.
Other Rating Factors:
A current level of 2.5 percent of nonperforming loans to core capital combined with 1.9 percent from a year earlier contributes to the Excellent asset quality (9.3). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.3 on a scale of 0 to 10).
Asset Mix:
Consumer loans (36%), home mtgs (22%), other (42%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Address
3939 South Dixie Boulevard
Radcliff, KY 40160
Radcliff, KY 40160
Phone Number
(800) 285-5669
NCUA Charter Number
Website
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