Major Rating Factors:
A current level of 16.5 percent of nonperforming loans to core capital combined with 16.5 percent from a year earlier contributes to the Fair asset quality (3.5). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.1 on a scale of 0 to 10).
Other Rating Factors:
Fair liquidity 4.0, driven by a liquidity ratio of 28.4 percent and a “hot money” ratio of 0.0 percent. Operating profits as a percentage of assets at 2.5%, coupled with a return on assets of 1.0 has resulted in Good (6.7) profitability.
Asset Mix:
Consumer loans (72%), other (28%)
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
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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
7480 Highway 177
Red Rock, OK 74651
Red Rock, OK 74651
Phone Number
(580) 453-6702
NCUA Charter Number
Website
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