# THE FOCUS
Oklahoma City, OK · NCUA charter 10283 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/the-focus-10283

Who the members are: federal charter, community charter, organized 1955, low-income designated. 12,341 members of 600,000 potential (2.1% of the field); checking penetration 56% (share draft accounts per 100 members); loans per 100 members 57.

**Verdict on the desk:** this could be *indirect buyer*. 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 | $162.1M |
| Members | 12,341 (-0.8% YoY) |
| Full-time staff | 53 |
| Net worth | $14.6M |
| Net worth ratio | 9.0% (p14 of band) |
| ROA (annualized) | 0.07% (p12 of band) |
| Total delinquency | 0.34% (p26 of band) |
| Net charge-offs (annualized) | 0.46% (p63 of band) |
| Loans / shares | 84% (p80 of band) |
| Cash / assets | 9.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.95% (p67 of band) |
| Operating expense / assets | 4.96% (p87 of band) |
| Vehicles % of loans | 56% (p80 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 67% |
| Third-party paper % of net worth | 315% (p96 of band) |
| Vehicle delinquency | 0.42% (p40 of band) |
| Vehicle NCO | 0.57% (p52 of band) |
| Repossessed % of vehicle book | 0.12% (p80 of band) |
| Real estate % of loans | 35% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 68% |
| Certificates % of member funds | 24% |
| Average share balance | $6,655 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $0 |
| Loans outstanding per 100 members | 57% |
| Loans granted per 100 members, annualized | 14% |
| Average loan balance | $17,674 |
| Loans granted, annualized | $44.5M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $0 outstanding purchased (0.0% of net worth), $12.1M sold and retained. Sold in 1 and bought in 0 of the last 8 quarters. Shares -0.9% year over year.

## Flags firing in the latest filing

- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | thin capital, losing money |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 3 | net worth falling |  |
| 2017-09 | 1 |  | losing money, net worth falling |
| 2017-12 | 2 | 3rd-party paper>100% NW |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 3 | net worth falling |  |
| 2019-03 | 3 | delinquency rising | net worth falling |
| 2019-06 | 3 |  |  |
| 2019-09 | 3 |  |  |
| 2019-12 | 2 |  | delinquency rising |
| 2020-03 | 3 | net worth falling |  |
| 2020-06 | 3 |  |  |
| 2020-09 | 4 | margin squeeze |  |
| 2020-12 | 4 |  |  |
| 2021-03 | 4 |  |  |
| 2021-06 | 2 |  | net worth falling, margin squeeze |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 3 | delinquency rising |  |
| 2022-06 | 2 |  | delinquency rising |
| 2022-09 | 3 | delinquency rising |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 3 |  |  |
| 2023-06 | 2 |  | delinquency rising |
| 2023-09 | 2 |  |  |
| 2023-12 | 3 | net worth falling |  |
| 2024-03 | 4 | losing money |  |
| 2024-06 | 2 |  | net worth falling, losing money |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 3 | delinquency rising |  |
| 2025-06 | 3 | assets shrinking | delinquency rising |
| 2025-09 | 3 | leaning on borrowings | assets shrinking |
| 2025-12 | 3 | delinquency rising, assets shrinking | thin capital, leaning on borrowings |
| 2026-03 | 1 |  | delinquency rising, assets shrinking |

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

- 2026-01-22 [Family First Credit Union acquires Focus First Credit Union - Rochester Business Journal](https://news.google.com/rss/articles/CBMikAFBVV95cUxNVWJDY1UyaVZxRUpuMmhSdmNxblRUdjlCMXB6WHRYQ2dfNUU5bE1zT0E0YXFWLVhYZnBUZnhNelpUN0lMMzF6SU41Ym9ZOV80WTR3Y0d3Q2xwMU00WV9SZEZFQ09TTTFOMC1SQjRXbEJaV0Z3eWdIcjBFaFdvODlnNS05eU10Nm5HWm96Z0U1Q2k?oc=5) · Rochester Business Journal
- 2026-07-09 [What serving more than half of U.S. credit union members reveals about the future of lending - CUInsight](https://news.google.com/rss/articles/CBMic0FVX3lxTE1JZlhKTVRLRS1UU2Jub3A4Z2JTNk93aGthLVR0TWFkZTFBV3JGTk10bVZFYkVLUExVNy1TRXRLSGdoVjdkTU1acFVtNGt3eURnMk5lSXRHbmZ2X2djYzNaYkFjenF3SVlKRm1XVVdpWlZKWjQ?oc=5) · CUInsight
- 2026-08-21 [Bryson Tiller concert in West Valley City 2026 - Tickets - Karlobag.eu](https://news.google.com/rss/articles/CBMimwFBVV95cUxPNkJHTXpTSWtGNE9kbVJrNTdvUmJJcUd5UjNYXy1HRm1vVElKa2JCNnpvZXEzSjQ2MmFldzZqQlZxdGJrbkRleENKaWZfWl9YNXJXMkVFLTV1Rk5TbWptR2VaaGhmdncycTI3eUp2NFJLTHY0N1dSSFJOWjZ6TEc3ZDNUZ3BIZFB0Q1VCVkUyM0F6NkJlVnpKY2NObw?oc=5) · Karlobag.eu
- 2025-12-17 [Setting the right sales goals for 2026: How credit unions can transform performance by focusing on the right targets - CUInsight](https://news.google.com/rss/articles/CBMi2gFBVV95cUxNTVFXYTliOHlJc0tYd2VDNl9TTzI3V2x4Y2ptMk9lWGxMaGxVcUg0VWFsQWVzdmNCekhlLWZzRjlvdXRXMk5jUEcwRXN4c0JXWG1XZ001NUZ6bnFjMS1kTm5HalBKRV8tcHNtc2p6bzl3SkhUWGxsaUxuVTJPY2hWcjNtal9rU1hlUkRUSmY0Tm1SUkdQY1dTejYzSmJZc1R4QnlpRVJSTWppVGFqVE1pWU83NjV3UlZycjdoX3BLd0k5UmJ4MWQzQV9Ec1NHZGFwQWpEUmNKb2duZw?oc=5) · CUInsight
- 2020-08-04 [Oklahoma City man arrested and charged with robbing of Focus Federal Credit Union - KOKH](https://news.google.com/rss/articles/CBMisAFBVV95cUxQbVF6bGV3UExPT2hfMldEX3BvQlFfaDBkbUxfd1gxbnItOWYtRXo1UXhhOE5sWklLR2w4VUFNX21zSlYxTkZqUF8zZUdnUExqRmZLR2pEZmQ5dEIxN19Gd2Z1RjJQT3RDcVVhN01zOEN3RFh3ZmZTOUV1M19SSXF6UnFRZXhYYlFUUF91NFcwZ0cyOGJOWF85dzE1ZUxGYUlRWUc2NkxyZi0tR2RxYXBLaA?oc=5) · KOKH
- 2021-07-17 [Edmond Life & Leisure - Edmond Life & Leisure](https://news.google.com/rss/articles/CBMilAFBVV95cUxONmtrUkJxMXpUR204d21CS3MxdGZOakR0QXJkNXVua09fRkdmTzlReHd2YkZPNGNoUFpxd3YteWJnVDFCRURyRXZuMmJhS0wtT2xkcFFRckxacjJzQ1RiZWRLVVFLdGNLX0tpUVFueVR0Mno0UEo5THFJa3VuVHdCYVRLeVFjZFJFcGt5QjRuM0pRaE5W?oc=5) · Edmond Life & Leisure
- 2025-08-22 [Police search for suspects after multiple ATM burglaries in OKC metro - koco.com](https://news.google.com/rss/articles/CBMifEFVX3lxTFBxa3htdXVNQklBd29RR1V1MWVCOHJMMzkyeWF1NzNVOVdMaUthU1N0azBLNGM5QVlJcHgxVWhNZ2huamdBT1daa25BTXhIVTd6Qm5uS1FkY0FyOHF0V1p3RFNQdFBCeC1KMTE3QklnX0RoTlJWNDFSMWtnclc?oc=5) · koco.com
- 2022-11-07 [The Most Powerful Women in Credit Unions, 2022 - americanbanker.com](https://news.google.com/rss/articles/CBMimgFBVV95cUxQVFhyeDd6M0V0d1A1aE1YUlppUFVKRG9nTFYwbE82bWhRMTFxZTJNbnBjT3hmRGpwSmZUeHRqQk1TM093ZzkxVUw5OHRaNWFkY2VMYkZGOEdqLTdFS245NmQxb0QwNkhNOHI1RE1BMXhjaWFrRUNoem1GUHktdk1aR3JfLURWMUhCRjE0QlR2Z0wyaGNLdHdUSEF3?oc=5) · americanbanker.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=10283 (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/43.json (key "10283", 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=10283
- 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