Major Rating Factors:
A current level of 12.7 percent of nonperforming loans to core capital combined with 6.2 percent from a year earlier contributes to the Good asset quality (6.3). Good current capitalization (6.2 on a scale of 0 to 10) based on a net capital to total assets of 8.6 and a net worth ratio of 11.1.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.7 on a scale of 0 to 10). Fair liquidity 4.7, driven by a liquidity ratio of 24.9 percent and a “hot money” ratio of 2.1 percent.
Asset Mix:
Consumer loans (42%), home mtgs (2%), other (56%)
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
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Lawton, OK