Major Rating Factors:
A current level of 30.0 percent of nonperforming loans to core capital combined with 12.5 percent from a year earlier contributes to the Fair asset quality (3.7).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 15.8 and a net worth ratio of 0.0. Good liquidity 6.7, driven by a liquidity ratio of 66.2 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Consumer loans (25%), home mtgs (16%), other (59%)
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
Frankfort, KY
Owensboro, KY
Owensboro, KY
Owensboro, KY
Owensboro, KY