Cherokee Strip Credit Union
Major Rating Factors:
A current level of 4.3 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.5). Excellent current capitalization (7.4 on a scale of 0 to 10) based on a net capital to total assets of 9.8 and a net worth ratio of 9.9.
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 (5.4 on a scale of 0 to 10). Fair liquidity 4.6, driven by a liquidity ratio of 31.0 percent and a “hot money” ratio of 8.1 percent.
Asset Mix:
Consumer loans (18%), home mtgs (14%), securities (0%), other (67%)
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
1508 East Prospect Avenue
Ponca City, OK 74604
Ponca City, OK 74604
Phone Number
(580) 718-4000
NCUA Charter Number
Website
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