Major Rating Factors:
Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.6 has resulted in Very Weak (0.8) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.4 on a scale of 0 to 10).
Other Rating Factors:
Fair current capitalization (3.6 on a scale of 0 to 10) based on a net capital to total assets of 5.8 and a net worth ratio of 5.8. Good liquidity 5.9, driven by a liquidity ratio of 52.3 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Consumer loans (44%), 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
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