Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 13.3 and a net worth ratio of 0.0. A current level of 2.8 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.3).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.6 on a scale of 0 to 10). Fair liquidity 4.9, driven by a liquidity ratio of 42.0 percent and a “hot money” ratio of 30.0 percent.
Asset Mix:
Consumer loans (44%), home mtgs (9%), other (47%)
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
10832 East 31st Street
Tulsa, OK 74146
Tulsa, OK 74146
Phone Number
(918) 663-2050
NCUA Charter Number
Website
Largest Competitors
Tulsa, OK
Tulsa, OK
Tulsa, OK
Tulsa, OK
Tulsa, OK