Major Rating Factors:
Fair current capitalization (4.7 on a scale of 0 to 10) based on a net capital to total assets of 7.0 and a net worth ratio of 7.8. A current level of 10.8 percent of nonperforming loans to core capital contributes to the Fair asset quality (4.1).
Other Rating Factors:
Operating profits as a percentage of assets at 1.7%, coupled with a return on assets of 0.9 has resulted in Good (5.7) profitability. Fair liquidity 3.2, driven by a liquidity ratio of 14.5 percent and a “hot money” ratio of 2.8 percent.
Asset Mix:
Consumer loans (48%), home mtgs (6%), other (46%)
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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