# FIRST FAMILY
Henryetta, OK · NCUA charter 11057 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/first-family-11057

Who the members are: federal charter, community charter, organized 1956, low-income designated. 19,075 members of 177,528 potential (10.7% of the field); checking penetration 53% (share draft accounts per 100 members); loans per 100 members 56.

**Verdict on the desk:** this could be *auto monoline*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $151.0M |
| Members | 19,075 (4.9% YoY) |
| Full-time staff | 65 |
| Net worth | $17.8M |
| Net worth ratio | 11.8% (p52 of band) |
| ROA (annualized) | 0.23% (p20 of band) |
| Total delinquency | 0.89% (p68 of band) |
| Net charge-offs (annualized) | 0.61% (p74 of band) |
| Loans / shares | 82% (p75 of band) |
| Cash / assets | 13.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.27% (p83 of band) |
| Operating expense / assets | 5.36% (p91 of band) |
| Vehicles % of loans | 73% (p94 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p16 of band) |
| Vehicle delinquency | 0.68% (p56 of band) |
| Vehicle NCO | 0.53% (p50 of band) |
| Repossessed % of vehicle book | 0.32% (p91 of band) |
| Real estate % of loans | 2% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 8% |
| Core shares % of member funds | 52% |
| Certificates % of member funds | 34% |
| Average share balance | $4,247 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 56% |
| Loans granted per 100 members, annualized | 16% |
| Average loan balance | $10,078 |
| Loans granted, annualized | $42.2M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **expense trap** (`earn_opex`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | auto monoline |  |
| 2016-06 | 3 | charge-offs p90, repo signal |  |
| 2016-09 | 2 |  | repo signal |
| 2016-12 | 3 | net worth falling |  |
| 2017-03 | 3 | expense trap | charge-offs p90 |
| 2017-06 | 2 |  | net worth falling |
| 2017-09 | 3 | delinquency rising |  |
| 2017-12 | 3 |  |  |
| 2018-03 | 3 | charge-offs p90 | delinquency rising |
| 2018-06 | 3 |  |  |
| 2018-09 | 3 |  |  |
| 2018-12 | 1 |  | expense trap, charge-offs p90 |
| 2019-03 | 2 | expense trap |  |
| 2019-06 | 3 | delinquency rising |  |
| 2019-09 | 2 | net worth falling | expense trap, delinquency rising |
| 2019-12 | 2 |  |  |
| 2020-03 | 4 | expense trap, repo signal |  |
| 2020-06 | 4 | thin capital | repo signal |
| 2020-09 | 2 |  | net worth falling, thin capital |
| 2020-12 | 3 | charge-offs p90 |  |
| 2021-03 | 2 |  | charge-offs p90 |
| 2021-06 | 2 |  |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 2 |  |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 4 | delinquency 2x band, delinquency rising |  |
| 2022-12 | 3 |  | delinquency 2x band |
| 2023-03 | 2 |  | delinquency rising |
| 2023-06 | 2 |  |  |
| 2023-09 | 3 | delinquency 2x band |  |
| 2023-12 | 2 |  | delinquency 2x band |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 3 | losing money |  |
| 2025-06 | 3 | delinquency 2x band | losing money |
| 2025-09 | 2 |  | delinquency 2x band |
| 2025-12 | 2 |  |  |
| 2026-03 | 3 | net worth falling |  |

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

- 2026-01-22 [Car Wash Fundraiser Planned For Okmulgee County Murder Victims’ Families - News 9](https://news.google.com/rss/articles/CBMiswFBVV95cUxNSEZhNno0c3RZQVZfS2RFM1FkaV9EWDYxWWU3dGd5ZlhXTFlHYTZzQ2pvMkk2SDRVQ0tqdVpGRHprR3JrM3IyLXFMMWZQTW5ZeVkxYkdvbVpkZ3lQQ3E4Z09MaGFyWVhFM00zcnhIZzNrZFdnWGRKMUpMVEVXaW1aTVVxTE1GaEtfdDZ6NVJpcHlTVXctYVJFYVFUcnA0YmJCRTZLc2FNdU94WXdhVFJORDdvRQ?oc=5) · News 9
- 2026-06-02 [Irma Dean Walker Obituary (2026) - Henryetta, OK - Integrity Funeral Service - Henryetta - legacy.com](https://news.google.com/rss/articles/CBMif0FVX3lxTE0yb3dMUmdUOG5lRHRFVHFzbEREREhYUEFVdlY2R0RMSUhVdzU1di1GdjB4Tmk1aGhLWnFPMThaQlViUzdwdndWMWt6eFRCZjY2RmxBcmdkeHhDS19HUVY1NVhIYW9zMVBvUVE5SkJ1eTU5b3Y1ejQ0VElkeWF4eE0?oc=5) · legacy.com
- 2022-11-09 [Seminary welcomes visitors for first Family Day event - Catholic Diocese of Cleveland](https://news.google.com/rss/articles/CBMiswFBVV95cUxQazV5ZTdxVDBsbnVIbU50YTFRcGlZOFJKYVpDbl9TS3l5cHgySUxKWVVzRklsNmwzV0VvN093MTB1Q0NzeTZBQlNJN3NMTTBqSGdBVzUyZFJyaVY0d0YyRzFHN1FrQlBtWmVHTjI4TE9fM1hSYmVQS3NRVXJtMlYzMVIyVk5CdFJsQUEzdXFBRHRSZGoxbDBoSnR6cVVSWlMyMWU1cTA1LXRxZldtSmlWNlk5WQ?oc=5) · Catholic Diocese of Cleveland
- 2026-01-16 [Giveaways, Theme Nights Announced for Shuckers 2026 Season - MLB.com](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQRWVMeEJaTFhzeFJJTjBDVmN5RVdvb09NUUZOMXNhS0hzcHRSanMwLWR3VzVDN2xvQ1VtWTN1SGpsbHJzRjNCdVk3TDhGdXBILUlCOUtmQU9RTEV4OTEtY0I1T2tiZHUwaldEekl5aVA0b0MtRnlZWEdCaTR1dEJ4QUk5UjRJdk5la0dB?oc=5) · MLB.com
- 2023-05-08 [‘The Knights Law’: Henryetta murder victim’s family pushes for harsher punishments for convicted sex offenders - KFOR](https://news.google.com/rss/articles/CBMilAFBVV95cUxOa0pnLUZ3TlV5cWhqY01xazhaZHpBamZ6ekxYYTBXNEJha2txM1N3NF9ncjR6MTgxNXU3U2FoclpXS1lxbVl5RGM5OXhXUE1lWkN3aHhqbldWem95T0hWU0U1bDg5UVk1c2RWV3dXaU5aSDhYUUVveUg2QVdVc0JRSEJ5Ml9Nc05XZ0ZPUmtWOWV1T0dT0gGaAUFVX3lxTE1zLVdBU3UyZThtTE1JZlRFUjNhaGExWDg4VzRfMHkyclhycEZYUU84SGZHSGZPY3ZnakJhV1V6S19UR0RGYzdGR0VKMHVHRW9uRFJmdmQ3Tk9GT0NNZHl3ZVNTRGlfQ1ppZVNIelhSUWktazBPWUhRekUtd0t1NWVJdFRHcmp4elRnclBITURodzdyRGlrRGVpU1E?oc=5) · KFOR
- 2018-02-12 [Checotah assistant police chief in ICU after car accident - KTUL](https://news.google.com/rss/articles/CBMilwFBVV95cUxNQm5iSTlweWZrNFlweUZBNEFMRGNnRUVaRXlLTkYyM1Z0YXVXRHpQR0ppbjJ1ZU10LWwzZW9pS1RJZVB2cjBDTFpjelhBR2tOUTdFTkM1eVJ3SENfTWdHZkNjbHV5bzBXb210RjZuNDktekdWbjB0dUFFVjY3Zktlb0gtSTZSZU0wNEdrMzJwelAtMHU4d3hR?oc=5) · KTUL
- 2021-12-21 [Orangewood Foundation seeks foster parents for Youth Connected program - Los Angeles Times](https://news.google.com/rss/articles/CBMiywFBVV95cUxPSWZ1S2pTTUxHM2xRUjRtUXh5c0dmeFdhY285WEtTcW8wS0p5OXk3SGp1WS1UM181ZXFzQThmU3EwLTFHZXdzVGRkQkxESGRRbGI5SVEtSGc3LXdKdTdnV2tiUXM2UlFGYUZETnNXZ1ZKVm9fU0U0YnNmWGNiREZlU2RUS20zSkl5OHcxNFRHamFFVHZJbWlGOGhqeHU5Q2pTbnFSX2VOZk51NllTWmZSRkMtdW5IN2VDT3lmTFpHZlRtdTNPTzZaTWxrRQ?oc=5) · Los Angeles Times
- 2019-12-24 [Eagle River Credit Union giving 250 warm coats for kids this Christmas - PNI Atlantic News](https://news.google.com/rss/articles/CBMiwgFBVV95cUxOQUJ1blhfU3lCaG1nb2ZVSmkyQkREdVpTOU5EUndUV09BWE1Pb1VWanM4RXNCX21JcU5aVzFXRmpreHRGNktYVWxTMFNhWFhQdmxKZHEybmliSnRscVdoX21CNHNUeHVnaG5yOGl3NU1nVUJMNlJGazJ4bmhwV1J2SEpKcjdZb1ZPck1wd2hEclBxY0tlZlZVN2V3eFBucElISy0xdVpObV9fVGh3QnNjN3ZZSXRDamhQdFNMMkNQcG90UQ?oc=5) · PNI Atlantic News

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=11057 (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/49.json (key "11057", 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=11057
- 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