Development
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.8 on a scale of 0 to 10). Excellent current capitalization (7.2 on a scale of 0 to 10) based on a net capital to total assets of 9.6 and a net worth ratio of 14.0.
Other Rating Factors:
A current level of 11.6 percent of nonperforming loans to core capital combined with 8.1 percent from a year earlier contributes to the Good asset quality (6.5). Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 0.2 has resulted in Fair (4.1) profitability.
Asset Mix:
Consumer loans (30%), home mtgs (9%), other (60%)
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
9815 East 81st Street
Tulsa, OK 74133
Tulsa, OK 74133
Phone Number
(918) 743-9861
NCUA Charter Number
Website
Largest Competitors
Tulsa, OK
Tulsa, OK
Tulsa, OK
Tulsa, OK
Tulsa, OK