Major Rating Factors:
A current level of 21.6 percent of nonperforming loans to core capital combined with 21.6 percent from a year earlier contributes to the Fair asset quality (3.3).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.7 on a scale of 0 to 10). Fair liquidity 4.6, driven by a liquidity ratio of 36.0 percent and a “hot money” ratio of 7.9 percent.
Asset Mix:
Consumer loans (35%), home mtgs (18%), other (48%)
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
299 Industrial Boulevard
Goldsby, OK 73093
Goldsby, OK 73093
Phone Number
(405) 652-0480
NCUA Charter Number
Website
Largest Competitors
Oklahoma City, OK
Tulsa, OK
Oklahoma City, OK
Oklahoma City, OK
Bartlesville, OK