Eastern Kentucky Federal Credit Union
Major Rating Factors:
A current level of 35.8 percent of nonperforming loans to core capital combined with 9.6 percent from a year earlier contributes to the Very Weak asset quality (0.7). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Very Weak overall stability index (0.8 on a scale of 0 to 10).
Other Rating Factors:
Operating profits as a percentage of assets at 0.1%, coupled with a return on assets of 0.0 has resulted in Fair (3.5) profitability. Fair current capitalization (4.2 on a scale of 0 to 10) based on a net capital to total assets of 6.5 and a net worth ratio of 6.5.
Asset Mix:
Consumer loans (47%), home mtgs (3%), other (50%)
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
550 North Lake Drive
Prestonsburg, KY 41653
Prestonsburg, KY 41653
Phone Number
(606) 263-4956
NCUA Charter Number
Website
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