Major Rating Factors:
Good current capitalization (6.7 on a scale of 0 to 10) based on a net capital to total assets of 9.2 and a net worth ratio of 0.0. A current level of 10.5 percent of nonperforming loans to core capital combined with 12.7 percent from a year earlier contributes to the Good asset quality (6.5).
Other Rating Factors:
Good liquidity 5.5, driven by a liquidity ratio of 33.5 percent and a “hot money” ratio of 3.1 percent. Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 0.3 has resulted in Good (5.1) profitability.
Asset Mix:
Consumer loans (38%), home mtgs (2%), other (60%)
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
1614 NW 67th Street
Lawton, OK 73505
Lawton, OK 73505
Phone Number
(580) 353-2124
NCUA Charter Number
Website
Largest Competitors
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Lawton, OK