Major 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 (5.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 4.1%, coupled with a return on assets of 2.2 has resulted in Excellent (9.0) profitability.
Other Rating Factors:
Fair liquidity 4.0, driven by a liquidity ratio of 46.4 percent and a “hot money” ratio of 35.4 percent. A current level of 2.0 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.7).
Asset Mix:
Home mtgs (37%), consumer loans (31%), comm loans (3%), other (30%)
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
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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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