Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 12.8 and a net worth ratio of 12.9. A current level of 1.5 percent of nonperforming loans to core capital combined with 0.6 percent from a year earlier contributes to the Excellent asset quality (9.0).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.6 on a scale of 0 to 10). Weak liquidity 2.7, driven by a liquidity ratio of 12.4 percent and a “hot money” ratio of 14.8 percent.
Asset Mix:
Consumer loans (50%), securities (25%), home mtgs (0%), other (24%)
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
703 South Ninth Street
Duncan, OK 73533
Duncan, OK 73533
Phone Number
(580) 255-3550
NCUA Charter Number
Website
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