Major Rating Factors:
Excellent current capitalization (9.8 on a scale of 0 to 10) based on a net capital to total assets of 11.4 and a net worth ratio of 12.2. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.6 on a scale of 0 to 10).
Other Rating Factors:
A current level of 8.6 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.0). Fair liquidity 3.1, driven by a liquidity ratio of 14.5 percent and a “hot money” ratio of 20.7 percent.
Asset Mix:
Consumer loans (30%), home mtgs (19%), comm loans (0%), 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
305 Martin Luther King Jr. Blvd
Ashland, KY 41101
Ashland, KY 41101
Phone Number
(606) 329-5489
NCUA Charter Number
Website
Largest Competitors
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Ashland, KY