Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Very Weak overall stability index (1.0 on a scale of 0 to 10).
Other Rating Factors:
A current level of 30.4 percent of nonperforming loans to core capital contributes to the Weak asset quality (2.2). Good liquidity 5.2, driven by a liquidity ratio of 41.7 percent and a “hot money” ratio of 11.8 percent.
Asset Mix:
Consumer loans (54%), other (46%)
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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