Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Very Weak overall stability index (1.0 on a scale of 0 to 10). A current level of 33.3 percent of nonperforming loans to core capital contributes to the Weak asset quality (1.6).
Other Rating Factors:
Fair liquidity 4.9, driven by a liquidity ratio of 45.5 percent and a “hot money” ratio of 0.0 percent. Good current capitalization (5.4 on a scale of 0 to 10) based on a net capital to total assets of 7.7 and a net worth ratio of 0.0.
Asset Mix:
Consumer loans (50%), other (50%)
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
1014 East Pine Street
Tulsa, OK 74106
Tulsa, OK 74106
Phone Number
(918) 582-9422
NCUA Charter Number
Largest Competitors
Tulsa, OK
Tulsa, OK
Tulsa, OK
Tulsa, OK
Tulsa, OK