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:
Fair liquidity 3.6, driven by a liquidity ratio of 38.2 percent and a “hot money” ratio of 35.1 percent. Good current capitalization (6.0 on a scale of 0 to 10) based on a net capital to total assets of 8.4 and a net worth ratio of 8.4.
Asset Mix:
Consumer loans (36%), home mtgs (33%), comm loans (5%), comm re (0%), other (26%)
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
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