Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.1 on a scale of 0 to 10). A current level of 28.6 percent of nonperforming loans to core capital contributes to the Fair asset quality (3.2).
Other Rating Factors:
Weak liquidity 2.1, driven by a liquidity ratio of 8.2 percent and a “hot money” ratio of 23.8 percent. Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.2 has resulted in Fair (3.6) profitability.
Asset Mix:
Comm loans (24%), consumer loans (22%), home mtgs (18%), other (36%)
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
9323 East 21st Street
Tulsa, OK 74129
Tulsa, OK 74129
Phone Number
(918) 610-0200
NCUA Charter Number
Website
Largest Competitors
Tulsa, OK
Tulsa, OK
Tulsa, OK
Tulsa, OK
Tulsa, OK