Major Rating Factors:
Excellent current capitalization (7.9 on a scale of 0 to 10) based on a net capital to total assets of 10.1 and a net worth ratio of 0.0. A current level of 7.9 percent of nonperforming loans to core capital combined with 9.8 percent from a year earlier contributes to the Excellent asset quality (7.0).
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 (5.3 on a scale of 0 to 10). Fair liquidity 3.9, driven by a liquidity ratio of 16.5 percent and a “hot money” ratio of 17.3 percent.
Asset Mix:
Consumer loans (20%), home mtgs (9%), other (71%)
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
9815 East 81st Street
Tulsa, OK 74133
Tulsa, OK 74133
Phone Number
(918) 743-9861
NCUA Charter Number
Website
Largest Competitors
Tulsa, OK
Tulsa, OK
Tulsa, OK
Tulsa, OK
Tulsa, OK