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 (4.1 on a scale of 0 to 10). Fair current capitalization (3.6 on a scale of 0 to 10) based on a net capital to total assets of 5.9 and a net worth ratio of 9.9.
Other Rating Factors:
A current level of 12.9 percent of nonperforming loans to core capital combined with 5.2 percent from a year earlier contributes to the Good asset quality (6.4). Weak liquidity 2.8, driven by a liquidity ratio of 14.4 percent and a “hot money” ratio of 19.8 percent.
Asset Mix:
Consumer loans (20%), home mtgs (17%), other (63%)
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