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 (1.4 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 0.2 has resulted in Weak (2.9) profitability.
Other Rating Factors:
Weak liquidity 2.6, driven by a liquidity ratio of 8.3 percent and a “hot money” ratio of 7.8 percent. Fair current capitalization (4.4 on a scale of 0 to 10) based on a net capital to total assets of 6.7 and a net worth ratio of 0.0.
Asset Mix:
Consumer loans (64%), home mtgs (5%), other (32%)
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
Largest Competitors
Oklahoma City, OK
Tulsa, OK
Oklahoma City, OK
Oklahoma City, OK
Bartlesville, OK