Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (1.7 on a scale of 0 to 10). Fair current capitalization (4.2 on a scale of 0 to 10) based on a net capital to total assets of 6.5 and a net worth ratio of 0.0.
Other Rating Factors:
Weak liquidity 2.7, driven by a liquidity ratio of 10.2 percent and a “hot money” ratio of 8.0 percent. A current level of 13.8 percent of nonperforming loans to core capital contributes to the Fair asset quality (4.3).
Asset Mix:
Consumer loans (56%), home mtgs (5%), other (39%)
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
2000 West Lindsey Street
Norman, OK 73069
Norman, OK 73069
Phone Number
(405) 325-2211
NCUA Charter Number
Website
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