The Focus Federal Credit Union
Major Rating Factors:
Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.2 has resulted in Fair (4.3) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.1 on a scale of 0 to 10).
Other Rating Factors:
A current level of 5.4 percent of nonperforming loans to core capital contributes to the Good asset quality (6.6). Good current capitalization (6.1 on a scale of 0 to 10) based on a net capital to total assets of 8.5 and a net worth ratio of 9.2.
Asset Mix:
Consumer loans (48%), home mtgs (20%), 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
420 N.E. 10th Street
Oklahoma City, OK 73104
Oklahoma City, OK 73104
Phone Number
(405) 230-1328
NCUA Charter Number
Website
Largest Competitors
Oklahoma City, OK
Oklahoma City, OK
Oklahoma City, OK
Oklahoma City, OK
Oklahoma City, OK