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 (3.7 on a scale of 0 to 10). A current level of 15.8 percent of nonperforming loans to core capital contributes to the Fair asset quality (4.2).
Other Rating Factors:
Fair liquidity 4.6, driven by a liquidity ratio of 40.6 percent and a “hot money” ratio of 27.9 percent. Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.8 has resulted in Good (6.2) profitability.
Asset Mix:
Consumer loans (56%), securities (9%), home mtgs (1%), other (34%)
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
2321 Carter Avenue
Ashland, KY 41101
Ashland, KY 41101
Phone Number
(606) 324-0888
NCUA Charter Number
Largest Competitors
Frankfort, KY
Radcliff, KY
Ashland, KY
Ashland, KY
Ashland, KY