Cherokee Strip Credit Union
Major Rating Factors:
Excellent current capitalization (8.1 on a scale of 0 to 10) based on a net capital to total assets of 10.2 and a net worth ratio of 10.5. Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.9 has resulted in Good (6.5) profitability.
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 (6.4 on a scale of 0 to 10). A current level of 11.0 percent of nonperforming loans to core capital combined with 6.2 percent from a year earlier contributes to the Good asset quality (5.6).
Asset Mix:
Consumer loans (46%), home mtgs (9%), securities (1%), other (45%)
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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