Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 11.9 and a net worth ratio of 11.9. A current level of 2.8 percent of nonperforming loans to core capital combined with 1.9 percent from a year earlier contributes to the Excellent asset quality (8.8).
Other Rating Factors:
Operating profits as a percentage of assets at 1.9%, coupled with a return on assets of 1.5 has resulted in Excellent (8.5) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.5 on a scale of 0 to 10).
Asset Mix:
Consumer loans (44%), home mtgs (19%), other (37%)
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
1900 Southeastern Parkway
Owensboro, KY 42303
Owensboro, KY 42303
Phone Number
(270) 684-8954
NCUA Charter Number
Website
Largest Competitors
Radcliff, KY
Owensboro, KY
Owensboro, KY
Owensboro, KY
Owensboro, KY