Truity Federal Credit Union
Major Rating Factors:
Excellent current capitalization (7.5 on a scale of 0 to 10) based on a net capital to total assets of 9.8 and a net worth ratio of 10.2. 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 5.7 percent of nonperforming loans to core capital combined with 8.5 percent from a year earlier contributes to the Good asset quality (6.4). Weak liquidity 2.7, driven by a liquidity ratio of 15.3 percent and a “hot money” ratio of 13.0 percent.
Asset Mix:
Consumer loans (48%), home mtgs (14%), other (37%)
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
501 South Johnstone Avenue
Bartlesville, OK 74003
Bartlesville, OK 74003
Phone Number
(800) 897-6991
NCUA Charter Number
Website
Largest Competitors
Oklahoma City, OK
Tulsa, OK
Oklahoma City, OK
Oklahoma City, OK
Bartlesville, OK