Major Rating Factors:
A current level of 12.7 percent of nonperforming loans to core capital combined with 7.2 percent from a year earlier contributes to the Fair asset quality (4.7). Operating profits as a percentage of assets at 0.4%, coupled with a return on assets of 0.5 has resulted in Fair (3.1) profitability.
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 12.2 and a net worth ratio of 12.2. Fair liquidity 4.2, driven by a liquidity ratio of 32.7 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Consumer loans (60%), other (40%)
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
297655 East Old Highway Seven Road
Duncan, OK 73533
Duncan, OK 73533
Phone Number
(580) 444-3396
NCUA Charter Number
Largest Competitors
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Duncan, OK