# FORT SILL
Lawton, OK · NCUA charter 10832 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/fort-sill-10832

Who the members are: federal charter, multiple common bond, organized 1956, low-income designated. 22,910 members of 100,000 potential (22.9% of the field); checking penetration 69% (share draft accounts per 100 members); loans per 100 members 74.

**Verdict on the desk:** this could be *auto monoline*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $395.3M |
| Members | 22,910 (-2.0% YoY) |
| Full-time staff | 84 |
| Net worth | $44.0M |
| Net worth ratio | 11.1% (p50 of band) |
| ROA (annualized) | 0.01% (p7 of band) |
| Total delinquency | 1.69% (p95 of band) |
| Net charge-offs (annualized) | 1.92% (p99 of band) |
| Loans / shares | 48% (p6 of band) |
| Cash / assets | 24.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.20% (p86 of band) |
| Operating expense / assets | 4.44% (p80 of band) |
| Vehicles % of loans | 68% (p96 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 83% |
| Third-party paper % of net worth | 283% (p91 of band) |
| Vehicle delinquency | 2.04% (p93 of band) |
| Vehicle NCO | 1.94% (p89 of band) |
| Repossessed % of vehicle book | 0.35% (p92 of band) |
| Real estate % of loans | 8% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 9% |
| Commercial % of net worth | 6% |
| Core shares % of member funds | 90% |
| Certificates % of member funds | 7% |
| Average share balance | $8,133 |
| Participations bought / yr | $17.7M |
| Participations sold / yr | $0 |
| Participations outstanding | $23.4M |
| Loans outstanding per 100 members | 74% |
| Loans granted per 100 members, annualized | 31% |
| Average loan balance | $10,049 |
| Loans granted, annualized | $55.9M |

## Participation posture (from the same filings)

Bought $17.7M and sold $0 in the latest annualized quarter; $23.4M outstanding purchased (53.2% of net worth), $0 sold and retained. Sold in 0 and bought in 8 of the last 8 quarters. Shares 1.4% year over year.

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)
- **charge-offs p90** (`aq_nco_high`)
- **3rd-party paper>100% NW** (`str_thirdparty`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | 3rd-party paper>100% NW, auto monoline |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 3 | members leaving |  |
| 2017-06 | 3 |  |  |
| 2017-09 | 2 |  | members leaving |
| 2017-12 | 2 |  |  |
| 2018-03 | 4 | delinquency 2x band, delinquency rising |  |
| 2018-06 | 4 |  |  |
| 2018-09 | 4 |  |  |
| 2018-12 | 4 |  |  |
| 2019-03 | 3 |  | delinquency rising |
| 2019-06 | 3 |  |  |
| 2019-09 | 2 |  | delinquency 2x band |
| 2019-12 | 2 |  |  |
| 2020-03 | 3 | losing money |  |
| 2020-06 | 5 | net worth falling, margin squeeze, members leaving | losing money |
| 2020-09 | 4 |  | net worth falling |
| 2020-12 | 4 |  |  |
| 2021-03 | 6 | net worth falling, delinquency 2x band |  |
| 2021-06 | 2 |  | margin squeeze, members leaving, net worth falling, delinquency 2x band |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 3 | losing money |  |
| 2022-06 | 4 | net worth falling |  |
| 2022-09 | 4 | delinquency rising | net worth falling |
| 2022-12 | 4 | delinquency 2x band | losing money |
| 2023-03 | 5 | charge-offs p90 |  |
| 2023-06 | 5 |  |  |
| 2023-09 | 5 |  |  |
| 2023-12 | 5 |  |  |
| 2024-03 | 5 |  |  |
| 2024-06 | 7 | net worth falling, losing money |  |
| 2024-09 | 6 |  | delinquency rising |
| 2024-12 | 4 |  | net worth falling, losing money |
| 2025-03 | 4 |  |  |
| 2025-06 | 4 |  |  |
| 2025-09 | 5 | loan book shrinking |  |
| 2025-12 | 4 |  | loan book shrinking |
| 2026-03 | 4 |  |  |

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

- 2026-07-21 [Fort Sill Federal Credit Union hosting back-to-school backpack giveaway - kswo.com](https://news.google.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?oc=5) · kswo.com
- 2026-03-25 [Fort Sill Federal Credit Union celebrates groundbreaking of its Elgin branch - kswo.com](https://news.google.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?oc=5) · kswo.com
- 2021-03-25 [Fort Sill honors sponsors with appreciation night - army.mil](https://news.google.com/rss/articles/CBMijgFBVV95cUxNQk5ySVExWFBrWGxUVGxUVzJJbkZRVVNOcGJKeUpKckNCc1hBVEpEMDJKcXJ2NTZLZVRzenRpbHRyek9WRDQ5SzJVTmVjNDBGRE5Jbm05QU1ZVVJkQjNSN01Sb1VobFowWFNFVno5R0otY2RmZ2hwWmhWWUtQM0sxMVN4UzNXRUNLV2xJWnNR0gGTAUFVX3lxTFBFbThOMTNNdU1ERllNQzZwTFUwcWRmeUoteEVONURIUGlkOGU4MExBdUt3aHlJVzQxRUtsenhtaUVtWUItMTVob05oQk02c2wxc0dZZVoxc1pJeWxFTThNNUNLa0ZoT25Ndmd0LTE2T0REQzBzdWNLVEJlLU9YUmlYeExDMU9PeG9tZmw5XzhUallBZw?oc=5) · army.mil
- 2023-01-08 [Fort Sill Credit Union names president - The Lawton Constitution](https://news.google.com/rss/articles/CBMixgFBVV95cUxQMUVnVVJPZjNPQWZONXkwVDYwU3hMb0RVRnNqcFNXRWNpcUhTQjlqTzUtcGZTdUhIQkdzUTQ3THFObm1ZZk5DcHJRQWxWd3l6dUlJQ0luaHBQbVVfQjNyRjlsTWNhRnFYdFAtOE0yNWMyRDRPMXpvbEw5WlU3dEZvY2tOaXFuZWlONS1ueXBrbzFFMU54U2NvMUFuM2VuZWd0Zk1QQ0FoTHY0UXM2NURFam8yTFh0TjlFWVotaDdXbmhoa0tObkE?oc=5) · The Lawton Constitution
- 2021-04-05 [Children scramble at Fort Sill Easter egg hunt - army.mil](https://news.google.com/rss/articles/CBMiigFBVV95cUxNcnZBczU2XzNna2JqMWN2bXQyQ2o0blVyNkdLRTFST2NsbTdtNlNVeUV4QXZRQVRINW5ZOC1pcUVGQ0FiNFJMR2xJTzlfSUxlNW83ZzZWeGFBZEx2MXJ3eGd1X0NWdHVkYUF4alE3VXFvWWhiTEFHckRpakVuUE1NSU1rRTNienZEaFHSAY8BQVVfeXFMTUZkRkU0YlVPOUg1RVBya29Fa1hCNlAxQkRFWWpUU0hRWE5Hb2xld283OU52bVlTM0VaQmZ2dFRfbmZ1MXJaYVZHT3hHS2VQY1hlQWRoWlhYa2xLOVV4LVh5SVd0bWVLc3dsT3JEV3dHeXV5R1hsUUFRWVN2Y2RLNmxmSlE2b1hfTjB0MU1weFE?oc=5) · army.mil
- 2021-05-17 [Trace Adkins performs Armed Forces Day concert at Fort Sill - army.mil](https://news.google.com/rss/articles/CBMimwFBVV95cUxOZUNhc2VGUzZjajYzMTFvQlhuVEh0TW9GM3BWY01rSEdDTDh4VUJZWWFfWTFXOTRyY2xSWnZhZklpM2NaUXlIVWI2aE9mQTFoRnpURDIxOS1DSGtNZlFianp2NFZKUTRLMlpYMEpWdXRFeUtYQjFhQUV4dWM4OXlUYkxadmVqM2RWQUNJUC1mLUY3c0VMdVRIUF9SUdIBoAFBVV95cUxQVzBDOFpnS3pudWNRSEdiUHJDMGZRcmU3MDRoZlJXVU5JU3V4QlhBcHdDN2F0ekFKaUtyZnZlcUlfaHB6c05FTnFTTTlPa2p5cUJuNG02cWRqc2JSVEZLd201Q2lPX2lFQnNwbWVscm9GdGVJemVKX0tSX3hJcjZFazJ1bTJtZWpaQUR5ZUk5eEpDYVl1LTFaaEQyOUNYaXB0?oc=5) · army.mil
- 2009-07-01 [Fort Sill hosts Army Concert Tour - kswo.com](https://news.google.com/rss/articles/CBMiekFVX3lxTE10ZTBMbEJzNXIyQU5DZGM2V25aeU53Wm9zSXlOckY5WFJDYmlSeXVNTndhVVpnbV9tWGpFWHk0WHZLVE94VlRxY3dOdTIxTWd1Tk1Teld0OVBsOW1qNy1vUXQ2NWR0RlJ0NGRnT2JWVzVSY0VsOUM3UDVR0gGMAUFVX3lxTE94WVlvb05MZmVHeXhHWHI4YzNmN2tQalRCTm42WFk0WktVb2hScXVPR0I2dlpnSF9VUFFlVFVrN0VMYTcxczBqYjJWU3lpQ1h0aDNmTDYwZWQyNnpSVHdta01zZlRleTFjMnpOMnZreFBUMUhNOElubDAtMlNkX0NEVGN3RmZRVmROOHFW?oc=5) · kswo.com
- 2017-06-15 [Thousands gather at Fort Sill for Military Appreciation Family Fun Day - army.mil](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNV2EzbGpHTFJ5S1hsZnpzVlRMcXVKWXQzMlp1aUxRQWluU3BJcTJ4c0JtdjNhVWY0SERWekl5UTUydGxZRmxPdG5WeTdXMVVpMVlyZjR1dmFYZWJJUDZZeWx2UFBKVEs0TnkwV3RwNGh5OGViazlEN2JqMF9kOTlmZl85SlZxWHBKaWpXSVhYVzh2SjdHaTRnT3plZHJtSmdTdEJDbkZ0ellzZ9IBrwFBVV95cUxNN0ZVeDQ0VENWYjlIRFhIMmpXbTgxVjBON0c0ZWdNaVVZczh5Z2N0U0hzcDFDV1JOVHRNWVd3YXVoUWdkdWZqMHZmRmU2Z3p3NEpRS0JrZ2ZFVUU2cU5GRXFDNlZUSnRIZlBTWmN3dHktdk5WVmQ0UU1wcnFrRUpDYVlqR3JRNHRWc2diNFRXUnQ1S0lkMUhZWnpFTzFjUFBlNVRQMmpMTF9qaW43T0FV?oc=5) · army.mil

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=10832 (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/16.json (key "10832", 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=10832
- 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