Major 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 (5.7 on a scale of 0 to 10). Excellent current capitalization (8.4 on a scale of 0 to 10) based on a net capital to total assets of 10.5 and a net worth ratio of 10.6.
Other Rating Factors:
A current level of 3.2 percent of nonperforming loans to core capital combined with 3.7 percent from a year earlier contributes to the Excellent asset quality (9.5). Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.2 has resulted in Excellent (8.8) profitability.
Asset Mix:
Consumer loans (39%), home mtgs (24%), securities (5%), other (32%)
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
100 Moore Drive
Frankfort, KY 40601
Frankfort, KY 40601
Phone Number
(502) 564-5597
NCUA Charter Number
Website
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