Major Rating Factors:
A current level of 0.1 percent of nonperforming loans to core capital contributes to the Excellent asset quality (10.0). Excellent current capitalization (7.6 on a scale of 0 to 10) based on a net capital to total assets of 9.9 and a net worth ratio of 0.0.
Other Rating Factors:
Good liquidity 6.3, driven by a liquidity ratio of 30.5 percent and a “hot money” ratio of 0.0 percent. Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.8 has resulted in Good (5.9) profitability.
Asset Mix:
Consumer loans (9%), other (91%)
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
Two West MacArthur Street
Shawnee, OK 74804
Shawnee, OK 74804
Phone Number
(405) 275-5014
NCUA Charter Number
Website
Largest Competitors
Oklahoma City, OK
Tulsa, OK
Oklahoma City, OK
Oklahoma City, OK
Bartlesville, OK