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 (3.6 on a scale of 0 to 10).
Other Rating Factors:
A current level of 0.4 percent of nonperforming loans to core capital contributes to the Excellent asset quality (10.0). Excellent liquidity 7.2, driven by a liquidity ratio of 55.0 percent and a “hot money” ratio of 8.4 percent.
Asset Mix:
Home mtgs (17%), consumer loans (11%), comm loans (1%), other (71%)
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
2338 State Route 45 North
Mayfield, KY 42066
Mayfield, KY 42066
Phone Number
(270) 247-6458
NCUA Charter Number
Website
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