Development
Major Rating Factors:
Operating profits as a percentage of assets at 0.3%, coupled with a return on assets of 0.2 has resulted in Very Weak (0.5) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.0 on a scale of 0 to 10).
Other Rating Factors:
Fair liquidity 4.6, driven by a liquidity ratio of 20.7 percent and a “hot money” ratio of 8.6 percent. Good current capitalization (6.2 on a scale of 0 to 10) based on a net capital to total assets of 8.6 and a net worth ratio of 8.8.
Asset Mix:
Consumer loans (47%), home mtgs (12%), other (41%)
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
1429 Breckenridge Street
Owensboro, KY 42303
Owensboro, KY 42303
Phone Number
(270) 685-3487
NCUA Charter Number
Website
Largest Competitors
Radcliff, KY
Owensboro, KY
Owensboro, KY
Owensboro, KY
Owensboro, KY