Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 14.8 and a net worth ratio of 0.0. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.1 on a scale of 0 to 10).
Other Rating Factors:
A current level of 6.6 percent of nonperforming loans to core capital combined with 6.6 percent from a year earlier contributes to the Good asset quality (6.4). Good liquidity 6.0, driven by a liquidity ratio of 50.5 percent and a “hot money” ratio of 2.4 percent.
Asset Mix:
Consumer loans (49%), home mtgs (0%), other (51%)
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
2501 Broadway
Paducah, KY 42001
Paducah, KY 42001
Phone Number
(270) 575-2776
NCUA Charter Number
Website
Largest Competitors
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Paducah, KY