The Focus Federal Credit Union
Major 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 (4.1 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.1 has resulted in Fair (3.0) profitability.
Other Rating Factors:
A current level of 3.5 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.6). Good current capitalization (5.6 on a scale of 0 to 10) based on a net capital to total assets of 8.0 and a net worth ratio of 8.7.
Asset Mix:
Consumer loans (54%), home mtgs (18%), other (28%)
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