Production (Stage)
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 (5.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 0.8 has resulted in Good (5.7) profitability.
Other 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 0.0. A current level of 4.8 percent of nonperforming loans to core capital combined with 4.8 percent from a year earlier contributes to the Excellent asset quality (8.0).
Asset Mix:
Consumer loans (35%), home mtgs (16%), other (48%)
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
1730 Alysheba Way
Lexington, KY 40509
Lexington, KY 40509
Phone Number
(859) 264-4200
NCUA Charter Number
Website
Largest Competitors
Lexington, KY
Lexington, KY
Lexington, KY
Lexington, KY
Lexington, KY