Major Rating Factors:
Excellent current capitalization (8.3 on a scale of 0 to 10) based on a net capital to total assets of 10.3 and a net worth ratio of 11.5. A current level of 9.5 percent of nonperforming loans to core capital contributes to the Good asset quality (6.8).
Other Rating Factors:
Operating profits as a percentage of assets at 1.7%, coupled with a return on assets of 0.8 has resulted in Good (6.7) profitability. Good liquidity 5.4, driven by a liquidity ratio of 30.5 percent and a “hot money” ratio of 3.7 percent.
Asset Mix:
Consumer loans (34%), home mtgs (3%), comm loans (1%), other (62%)
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