Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.3 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.3%, coupled with a return on assets of 0.2 has resulted in Weak (2.9) profitability.
Other Rating Factors:
A current level of 2.2 percent of nonperforming loans to core capital combined with 0.6 percent from a year earlier contributes to the Excellent asset quality (8.5). Good liquidity 5.5, driven by a liquidity ratio of 33.7 percent and a “hot money” ratio of 13.3 percent.
Asset Mix:
Consumer loans (41%), home mtgs (8%), 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
1429 Breckenridge Street
Owensboro, KY 42303
Owensboro, KY 42303
Phone Number
(270) 685-3487
NCUA Charter Number
Website
Largest Competitors
Frankfort, KY
Owensboro, KY
Owensboro, KY
Owensboro, KY
Owensboro, KY