Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 11.8 and a net worth ratio of 11.8. A current level of 4.5 percent of nonperforming loans to core capital contributes to the Good asset quality (6.7).
Other 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 (4.9 on a scale of 0 to 10). Fair liquidity 3.3, driven by a liquidity ratio of 23.3 percent and a “hot money” ratio of 18.4 percent.
Asset Mix:
Consumer loans (56%), home mtgs (8%), other (35%)
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