Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 15.5 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 a Good overall stability index (6.5 on a scale of 0 to 10).
Other Rating Factors:
A current level of 6.8 percent of nonperforming loans to core capital combined with 8.9 percent from a year earlier contributes to the Good asset quality (5.8). Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 0.6 has resulted in Good (5.5) profitability.
Asset Mix:
Consumer loans (50%), home mtgs (2%), other (48%)
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
11310 East Pine Street
Tulsa, OK 74116
Tulsa, OK 74116
Phone Number
(918) 438-0140
NCUA Charter Number
Largest Competitors
Tulsa, OK
Tulsa, OK
Tulsa, OK
Tulsa, OK
Tulsa, OK