Major Rating Factors:
A current level of 12.5 percent of nonperforming loans to core capital combined with 6.0 percent from a year earlier contributes to the Good asset quality (5.7).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.8 on a scale of 0 to 10). Good liquidity 6.2, driven by a liquidity ratio of 57.2 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Consumer loans (28%), home mtgs (17%), other (55%)
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
1727 Moseley Street
Owensboro, KY 42303
Owensboro, KY 42303
Phone Number
(270) 685-1025
NCUA Charter Number
Website
Largest Competitors
Radcliff, KY
Owensboro, KY
Owensboro, KY
Owensboro, KY
Owensboro, KY