First Federal Savings and Loan Association

First Federal Savings and Loan Association is a currently active mortgage lending specialization banking institution headquartered in Hazard, Kentucky. Established in 07/26/1960, this institution operates under regulatory supervision and is fully insured by the FDIC.

As a financial institution, First Federal Savings and Loan Association manages $87.2M in total assets and holds $61.0M in customer deposits. When evaluating the stability of First Federal Savings and Loan Association, one of the most critical metrics is its Capital Cushion (Equity-to-Assets Ratio). At 20.88%, this indicates how much financial loss the bank can absorb before depositors' funds are placed at risk. A strong equity cushion is a key indicator of a bank's ability to weather economic downturns.

In terms of operational efficiency, the bank's Return on Assets (ROA) is 0.81%, while its Return on Equity (ROE) sits at 3.89%. These metrics result in a moderate health score of 7.6 out of 10, suggesting standard financial stability and adequate capital levels in line with industry averages.