# OK
Bartlesville, OK · NCUA charter 10158 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/ok-10158

Who the members are: federal charter, multiple common bond, organized 1955. 3,532 members of 4,000 potential (88.3% of the field); checking penetration 44% (share draft accounts per 100 members); loans per 100 members 34.

**Verdict on the desk:** this could be *auto monoline*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $26.9M |
| Members | 3,532 (0.9% YoY) |
| Full-time staff | 6 |
| Net worth | $4.1M |
| Net worth ratio | 15.1% (p52 of band) |
| ROA (annualized) | 0.60% (p52 of band) |
| Total delinquency | 0.66% (p50 of band) |
| Net charge-offs (annualized) | -0.01% (p21 of band) |
| Loans / shares | 75% (p74 of band) |
| Cash / assets | 34.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.67% (p41 of band) |
| Operating expense / assets | 3.35% (p42 of band) |
| Vehicles % of loans | 78% (p79 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.04% (p34 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.17% (p93 of band) |
| Real estate % of loans | 2% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 66% |
| Certificates % of member funds | 31% |
| Average share balance | $4,151 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 34% |
| Loans granted per 100 members, annualized | 19% |
| Average loan balance | $14,111 |
| Loans granted, annualized | $13.2M |

## Flags firing in the latest filing

- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | auto monoline |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | repo signal |  |
| 2017-06 | 2 | delinquency rising | repo signal |
| 2017-09 | 2 |  |  |
| 2017-12 | 1 |  | delinquency rising |
| 2018-03 | 2 | delinquency rising |  |
| 2018-06 | 1 |  | delinquency rising |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 2 | delinquency rising |  |
| 2019-09 | 1 |  | delinquency rising |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | delinquency rising |  |
| 2020-06 | 2 | net worth falling | delinquency rising |
| 2020-09 | 1 |  | net worth falling |
| 2020-12 | 2 | margin squeeze |  |
| 2021-03 | 3 | net worth falling |  |
| 2021-06 | 3 | delinquency 2x band, delinquency rising | margin squeeze, net worth falling |
| 2021-09 | 2 |  | delinquency 2x band |
| 2021-12 | 1 |  | delinquency rising |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 2 | delinquency rising |  |
| 2023-09 | 2 | assets shrinking | delinquency rising |
| 2023-12 | 2 |  |  |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 | loan book shrinking | assets shrinking |
| 2024-09 | 1 |  | loan book shrinking |
| 2024-12 | 1 |  |  |
| 2025-03 | 2 | delinquency rising |  |
| 2025-06 | 3 | assets shrinking |  |
| 2025-09 | 2 |  | assets shrinking |
| 2025-12 | 1 |  | delinquency rising |
| 2026-03 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-07-21 [AmeriCU Credit Union gets OK to expand in Capital Region - Albany Business Review - The Business Journals](https://news.google.com/rss/articles/CBMinAFBVV95cUxNU1Z3TFBVSmFmU0lxZEJTaGFVajhOX2ctQUVmWEtfSE52OWRKdmlxNmFWbU9IRXlZcVZCRFkxSDVmYmZSUmZlbDNXcmllbjNWMjJyVzhZVW1DSG45YmpRTFExd1cxSDdXYnBZZ0pTaVpaUUotY1VIeFRXeGxZb3lBNHlSVzFfOWxRMU1UU0xTMnExcWw2Y0VubzBRYXc?oc=5) · The Business Journals
- 2026-08-04 [SAFE Credit Union secures regulatory approval for merger with BECU - Sacramento Bee](https://news.google.com/rss/articles/CBMiakFVX3lxTFBfTkl6NFZlOUZONUNMYldnUHNZNmdQcFNyYXlEZGZuQW9PR2ozeXRqYndHemlCQjZQMk5PTUdjYWF5cWk3WHNqc1dvTmFScThUeG45aGluNmp6Y0lXVmx4S1FnNzN4SGoyR1HSAWpBVV95cUxQbjV2dGpYZVdTd21iUkVmRG9yUFZHNDd5SXFuY3V1M1dfbTl0eVluZUpreEtVZHI1YWpOdEo0d0IzZHB5RWRWNjZ2dzZyTFhCSm5TTmV2TS1uNmZLcEFzNk5MWW5OTVNmbnJR?oc=5) · Sacramento Bee
- 2022-01-27 [Oklahoma Community Credit Union Announces New Branch in Stillwater, OK - 1600 KUSH](https://news.google.com/rss/articles/CBMiogFBVV95cUxNS1hoNDFkNW4yWGZqVm9xS21IVnBLVzUyRk95VXBaa1k1SWRheHdQTlZvVEE5UHdaQ3JmMThnWkFTTThFbGtweGVDREVUNUNNdWxqSWVXNk1XSGVKN1JlWUEwOEJxSzRkOHNzZXNzSkFfUlp2a0FSVHBWTktEa1VIc0dkZ1U5SzVTVmRTOGxNNWtGa3ZmS2VBQ0FvRFVmeTRrTGc?oc=5) · 1600 KUSH
- 2026-03-18 [Aggie Classic Scores, Schedule - NorthEscambia.com](https://news.google.com/rss/articles/CBMidEFVX3lxTFBtakdfMW1STW8wVVk0S1FZNENPdk81LWVHQWhfRVR4Ty10Zk9mSUNuMi1aaGViYUVsVUFIUVRPMmpBSHBwQmIyWTZRNm52S2xYNWREV0E4OGZhWDZ6bGtyRUtEZmkxc1h4MFlUMHJYOWRYSElM?oc=5) · NorthEscambia.com
- 2025-10-14 [Tinker Federal Credit Union names assistant vice president, branch manager at its Tulsa branch - CUInsight](https://news.google.com/rss/articles/CBMiygFBVV95cUxQZS1EZEU2M2hDN0FBV0hhamtpV1JYeWMwdXMxRFlCb01wc2lLdHJFdHVlNDY0dlhYR19kS2owVlNYU0FZVmo1VDRsN2s5UVJpTk4xQnBBam4tMmJrd2lmUVNwM1Zobmk1RGRTZUR5dDJwNVNpRlJhQU00WWxqNEJuM3VtYk5HVjFZY1UwdXJReXVMUmRsMU54ckhuUjllRE5kc19UNW5fV0F1aTlHRm45UlIwTG5CNzdtb1N0bHY1Sk1HZmlNM3JRUTN3?oc=5) · CUInsight
- 2026-06-10 [Concerts June 12-18: Lupe Fiasco, OK Go, Carin Leon, Santana & The Doobie Brothers and more - Daily Herald](https://news.google.com/rss/articles/CBMiyAFBVV95cUxOYXotajIxOHRqYnU1TzEwR1RxSk9sXzcyN09xRlBBbXBsZjVSZk1aTjNwU0pIWnRWeDBPcTRVdDZCZUNzU2Z3dW5XWGJWeEJEeU9zLWZja005Y2xvYng3ZV9kc2dpVzd0NEhMUWQyRW5sWkUzZE5KeEtfTnBfanQ3ZEhtN0Ixclp3X0ZzTGpQRkRBeDFVcGt1Z1JSQk9LNlNDZUtFUXNwal9CYkd2WS1NcjlrVTVkLWR5ZTlzbm9HWl9Fb0FwcFdkTQ?oc=5) · Daily Herald
- 2025-04-08 [America's Best Regional Banks and Credit Unions 2025 - Oklahoma - Newsweek Rankings](https://news.google.com/rss/articles/CBMijwFBVV95cUxPWFY3Tl9CSk44VG93QnI4Q2JMOV9BUTExTXVSV081cEVjdXdjeENIcF9ITk15UjNpR0dtdVlRd2hnSWdydWlLZEtjSEpWZjFHM19fTV9ReVM5M0txdzRLTHpjamJwSzNsdVhJSFp1aGIyejNhUjZtN1JoVGhOVDROVmxzY0c5MlBWZ2ZMRmpoZw?oc=5) · Newsweek Rankings
- 2020-04-30 [Tinker Federal Credit Union to acquire Prime Bank of Edmond, OK - KOKH](https://news.google.com/rss/articles/CBMilAFBVV95cUxNRVdncE5HOWNaT05jLU1iOWlSRmVfNHZiWlBUcmZNOVB0Ykdsamx1WV9WSmZqRWMwZndOWjA5SGF5b0dTUmxyeXRBUk1uWldFV2UtNHZMbUNVU3JJd2pjcW9fVzVObmg4TzVOZ1A1cFQxNHFhV1lQbW9vSjFEMmphc0RMeHRIYzA0VkgwRk1hdDZxcXZD?oc=5) · KOKH

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=10158 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/46.json (key "10158", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=10158
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide