Whitesville Community Credit Union
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 12.4 and a net worth ratio of 12.4. Operating profits as a percentage of assets at 2.1%, coupled with a return on assets of 2.1 has resulted in Excellent (9.7) profitability.
Other Rating Factors:
A current level of 5.3 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.0). Good liquidity 6.6, driven by a liquidity ratio of 33.5 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Consumer loans (20%), home mtgs (14%), other (66%)
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
10589 Franklin Street
Whitesville, KY 42378
Whitesville, KY 42378
Phone Number
(270) 233-4447
NCUA Charter Number
Largest Competitors
Frankfort, KY
Radcliff, KY
Louisville, KY
Lexington, KY
Louisville, KY