Eastern Kentucky Federal Credit Union

Overview / Commentary

www.easternkyfcu.com

606-263-4956

550 N Lake Dr
Prestonsburg, KY 41653

Eastern Kentucky Federal Credit Union is headquartered in Prestonsburg and is the 55^th largest credit union in the state of Kentucky. It is also the 4,501^st largest credit union in the nation. It was established in 1969 and as of June of 2019, it had grown to 3 employees and 629 members at 1 location. Eastern Kentucky Federal Credit Union's CD rates are 44% higher than the national average, but it has a C health rating.

Field of Membership Restrictions

Membership is open to all employees, retirees, and their immediate family members of Kentucky West Virginia Gas Company and Select Employee Groups.
See current membership details

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Health

Data as of Q2 2019

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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Eastern Kentucky Federal Credit Union has a very low asset base.

Health Grade Components

Overall
NCUA #	19280
Year Chartered	1969
Employees	3
Primary Regulator

Profit Margin
Return on Assets - YTD	1.49%
Return on Equity - YTD	11.59%
Annual Interest Income	$142.00K

Assets and Liabilities
Assets	Q2 2019vs Q2 2018	$5.5MM$4.8MM
Loans	Q2 2019vs Q2 2018	$4.0MM$3.7MM
Deposits	Q2 2019vs Q2 2018	$4.8MM$4.0MM
Equity Capital	Q2 2019vs Q2 2018	$673.00K$821.00K
Loan Loss Allowance	Q2 2019vs Q2 2018	$75.00K$43.00K
Unbacked Noncurrent Loans	Q2 2019vs Q2 2018	$215.00K$169.00K
Real Estate Owned	Q2 2019vs Q2 2018	$0$0

Rates

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Eastern Kentucky Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.50%	$500	-	18 Month CD Special
2.30%^*	$175k^*	$250k	60 Month CD
OTHER TIERS: 1.50% → $5k - $30k \| 1.60% → $30k - $50k \| 1.75% → $50k - $90k \| 2.00% → $90k - $125k \| 2.15% → $125k - $175k
1.95%^*	$175k^*	$250k	48 Month CD
OTHER TIERS: 1.25% → $5k - $30k \| 1.35% → $30k - $50k \| 1.50% → $50k - $90k \| 1.75% → $90k - $125k \| 1.80% → $125k - $175k
1.80%^*	$175k^*	$250k	24 Month CD
OTHER TIERS: 1.00% → $5k - $30k \| 1.10% → $30k - $50k \| 1.25% → $50k - $90k \| 1.50% → $90k - $125k \| 1.65% → $125k - $175k
1.55%^*	$175k^*	$250k	18 Month CD
OTHER TIERS: 0.75% → $5k - $30k \| 0.85% → $30k - $50k \| 1.00% → $50k - $90k \| 1.25% → $90k - $125k \| 1.40% → $125k - $175k
1.30%^*	$175k^*	$250k	12 Month CD
OTHER TIERS: 0.50% → $5k - $30k \| 0.60% → $30k - $50k \| 0.75% → $50k - $90k \| 1.00% → $90k - $125k \| 1.15% → $125k - $175k

Locations

Eastern Kentucky Federal Credit Union Locations
Branch Office	550 N Lake Dr	Prestonsburg, KY 41653

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