Class Act Federal Credit Union
Major Rating Factors:
A current level of 2.3 percent of nonperforming loans to core capital combined with 3.3 percent from a year earlier contributes to the Excellent asset quality (9.4). Excellent current capitalization (7.8 on a scale of 0 to 10) based on a net capital to total assets of 10.0 and a net worth ratio of 10.2.
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 (6.1 on a scale of 0 to 10). Fair liquidity 3.6, driven by a liquidity ratio of 21.7 percent and a “hot money” ratio of 7.1 percent.
Asset Mix:
Consumer loans (32%), home mtgs (22%), securities (6%), other (41%)
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
3620 Fern Valley Road
Louisville, KY 40219
Louisville, KY 40219
Phone Number
(502) 964-7575
NCUA Charter Number
Website
Largest Competitors
Louisville, KY
Louisville, KY
Louisville, KY
Louisville, KY
Louisville, KY