Better Health for All

Kentucky First Federal Bancorp is a bank, and its primary services, such as deposit accounts and loans, do not have a direct positive or negative impact on health. The company's operations are not directly relevant to health-related safety, innovation, externalities, or crisis response.

It does not offer health products, manage health data, or engage in health education. While one article mentions "implied support for health care access" and "financial education" as community contributions, no specific programs, funding, or impact metrics are provided to score these areas against the rubric's quantitative thresholds for health equity or education. Therefore, most health-related KPIs are not applicable to its business model.

Fair Money & Economic Opportunity

No specific, quantifiable evidence was found in the provided articles to assess Kentucky First Federal Bancorp (KFFB.US) against any of the KPIs for Fair Money & Economic Opportunity. provided Loan-to-Deposit ratios and noted no branch openings or closures, and no public comments on CRA performance, but these facts do not directly map to the quantitative thresholds of the rubric's KPIs such as underserved client share, pricing fairness, inclusion initiatives, or geographic inclusion.

was unavailable.

Kind to Animals

Kentucky First Federal Bancorp (KFFB.US) is a financial institution.

The provided articles contain no information or metrics related to animal welfare, cruelty-free products, animal testing, animal agriculture, or wildlife conservation initiatives. Given the company's service-oriented business model, these KPIs are not applicable, and no evidence was found to suggest otherwise.

No War, No Weapons

No evidence was found in the provided articles regarding KFFB.US's involvement in arms manufacturing, military contracts, dual-use technologies, sales to embargoed regimes, peacebuilding investments, or any other activities relevant to the 'No War, No Weapons' ethical value.

The available articles describe general banking services and community contributions , or refer to an unrelated entity.

Respect for Cultures & Communities

No specific, quantitative evidence was found in the provided articles for any of the KPIs related to Respect for Cultures & Communities. Article 0, a CRA public file, explicitly states it does not contain information on cultural sensitivity or community engagement.

Article 1, while mentioning community contributions, lacks specific quantitative data for the requested metrics.

Safe & Smart Tech

The company uses advanced encryption and TLS encryption for data transfer.

Multi-factor authentication is employed on its mobile app and online website, and online banking requires an 8-17 character password with mixed case, numbers, and special characters. The company advises users to update mobile banking apps, operating systems, and antivirus software regularly, and has an incident response plan. Mobile banking is built on multiple layers of advanced protection. The company advises shredding financial documents and not carrying Social Security cards, but also collects location data from mobile app users even when the app is closed or not in use, and retains data for 5-7 years. The company states its security measures comply with federal law, follows industry best practices, and is FDIC-insured. It states it will not ask for private information over unsecure email and uses fraud monitoring. Users have automatic logouts and can access electronic bank statements. The company provides security awareness tips to users and mentions training employees to recognize threats. The privacy policy for First Kentucky Bank was last revised in March 2015, while First Federal's privacy policy was updated in February 2024.

Zero Waste & Sustainable Products

The company has implemented five waste reduction initiatives, including paper reduction through digital documentation review, a digital loan system, electronic loan files saving approximately 50,000 sheets of paper annually since 2018, consolidating printers, and centralized sourcing for office supplies.

Hazardous waste, specifically tree debris, is incinerated in an EPA certified burner on site, and the resulting ash is sold. The company uses LED lights, which have a longer lifespan and produce light up to 90% more efficiently than incandescent bulbs and 80% more efficiently than CFLs. The third-party risk management function works to ensure suppliers apply sustainable and resilient business practices. Customers are encouraged to use electronic statements to reduce paper and shipping waste.