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). Operating profits as a percentage of assets at 0.3%, coupled with a return on assets of 0.1 has resulted in Weak (1.3) profitability.
Other Rating Factors:
Fair liquidity 3.5, driven by a liquidity ratio of 37.3 percent and a “hot money” ratio of 35.0 percent. A current level of 5.9 percent of nonperforming loans to core capital contributes to the Good asset quality (5.7).
Asset Mix:
Consumer loans (36%), home mtgs (35%), comm loans (5%), comm re (0%), other (24%)
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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