Major Rating Factors:
Excellent current capitalization (9.4 on a scale of 0 to 10) based on a net capital to total assets of 11.2 and a net worth ratio of 0.0. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.0 on a scale of 0 to 10).
Other Rating Factors:
A current level of 8.6 percent of nonperforming loans to core capital contributes to the Good asset quality (5.7). Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 0.4 has resulted in Fair (4.3) profitability.
Asset Mix:
Consumer loans (61%), home mtgs (1%), other (38%)
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
402 East Main Street
Henryetta, OK 74437
Henryetta, OK 74437
Phone Number
(918) 652-4407
NCUA Charter Number
Website
Largest Competitors
Oklahoma City, OK
Tulsa, OK
Oklahoma City, OK
Oklahoma City, OK
Bartlesville, OK