Major Rating Factors:
A current level of 37.9 percent of nonperforming loans to core capital combined with 24.9 percent from a year earlier contributes to the Very Weak asset quality (0.7). Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 0.0 has resulted in Fair (4.2) profitability.
Other Rating Factors:
Fair liquidity 4.3, driven by a liquidity ratio of 31.1 percent and a “hot money” ratio of 0.0 percent. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.6 on a scale of 0 to 10).
Asset Mix:
Consumer loans (64%), 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
7480 Highway 177
Red Rock, OK 74651
Red Rock, OK 74651
Phone Number
(580) 453-6702
NCUA Charter Number
Website
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