Major Rating Factors:
Fair current capitalization (4.8 on a scale of 0 to 10) based on a net capital to total assets of 7.2 and a net worth ratio of 0.0. Operating profits as a percentage of assets at 0.5%, coupled with a return on assets of 0.5 has resulted in Fair (3.6) profitability.
Other Rating Factors:
A current level of 2.9 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.1). Good liquidity 6.0, driven by a liquidity ratio of 39.5 percent and a “hot money” ratio of 13.4 percent.
Asset Mix:
Consumer loans (36%), home mtgs (8%), other (57%)
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