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 (4.8 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.3%, coupled with a return on assets of 0.2 has resulted in Fair (3.0) profitability.
Other Rating Factors:
Excellent current capitalization (9.2 on a scale of 0 to 10) based on a net capital to total assets of 11.0 and a net worth ratio of 0.0. A current level of 4.2 percent of nonperforming loans to core capital contributes to the Good asset quality (6.1).
Asset Mix:
Consumer loans (62%), home mtgs (7%), other (31%)
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
1001 Red Mile Road
Lexington, KY 40504
Lexington, KY 40504
Phone Number
(859) 231-9300
NCUA Charter Number
Website
Largest Competitors
Lexington, KY
Lexington, KY
Lexington, KY
Lexington, KY
Lexington, KY