Major Rating Factors:
Excellent current capitalization (8.6 on a scale of 0 to 10) based on a net capital to total assets of 10.6 and a net worth ratio of 10.8. A current level of 6.5 percent of nonperforming loans to core capital combined with 9.1 percent from a year earlier contributes to the Good asset quality (5.2).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.0 on a scale of 0 to 10). Weak liquidity 2.6, driven by a liquidity ratio of 16.2 percent and a “hot money” ratio of 23.0 percent.
Asset Mix:
Consumer loans (69%), home mtgs (7%), other (24%)
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) 259-0077
NCUA Charter Number
Website
Largest Competitors
Lexington, KY
Lexington, KY
Lexington, KY
Lexington, KY
Lexington, KY