Major Rating Factors:
A current level of 35.1 percent of nonperforming loans to core capital contributes to the Weak asset quality (1.7). Operating profits as a percentage of assets at 0.3%, coupled with a return on assets of 0.2 has resulted in Weak (2.5) profitability.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.6 on a scale of 0 to 10). Fair liquidity 4.1, driven by a liquidity ratio of 27.5 percent and a “hot money” ratio of 10.3 percent.
Asset Mix:
Consumer loans (25%), securities (19%), home mtgs (1%), other (55%)
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
1120 West 17th Street
Tulsa, OK 74107
Tulsa, OK 74107
Phone Number
(918) 582-7573
NCUA Charter Number
Website
Largest Competitors
Tulsa, OK
Tulsa, OK
Tulsa, OK
Tulsa, OK
Tulsa, OK