Louisville Gas and Electric Company Credit Union
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 15.2 and a net worth ratio of 15.2. A current level of 0.6 percent of nonperforming loans to core capital combined with 0.3 percent from a year earlier contributes to the Excellent asset quality (10.0).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.8 on a scale of 0 to 10). Fair liquidity 4.8, driven by a liquidity ratio of 29.0 percent and a “hot money” ratio of 11.5 percent.
Asset Mix:
Consumer loans (32%), home mtgs (16%), securities (1%), other (51%)
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
820 West Broadway
Louisville, KY 40202
Louisville, KY 40202
Phone Number
(502) 627-3140
NCUA Charter Number
Website
Largest Competitors
Louisville, KY
Louisville, KY
Louisville, KY
Louisville, KY
Louisville, KY