# SOUTHWEST OKLAHOMA
Lawton, OK · NCUA charter 12271 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/southwest-oklahoma-12271

Who the members are: federal charter, multiple common bond, organized 1958. 4,851 members of 50,000 potential (9.7% of the field); checking penetration 71% (share draft accounts per 100 members); loans per 100 members 137.

**Verdict on the desk:** this could be *participation 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 | $117.3M |
| Members | 4,851 (-1.9% YoY) |
| Full-time staff | 16 |
| Net worth | $21.9M |
| Net worth ratio | 18.6% (p94 of band) |
| ROA (annualized) | 1.84% (p93 of band) |
| Total delinquency | 0.63% (p50 of band) |
| Net charge-offs (annualized) | 0.09% (p22 of band) |
| Loans / shares | 78% (p67 of band) |
| Cash / assets | 11.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.76% (p93 of band) |
| Operating expense / assets | 3.32% (p38 of band) |
| Vehicles % of loans | 57% (p81 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 26% |
| Third-party paper % of net worth | 161% (p80 of band) |
| Vehicle delinquency | 0.42% (p40 of band) |
| Vehicle NCO | 0.17% (p27 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 21% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 17% |
| Commercial % of net worth | 2% |
| Core shares % of member funds | 83% |
| Certificates % of member funds | 12% |
| Average share balance | $9,994 |
| Participations bought / yr | $21.6M |
| Participations sold / yr | $0 |
| Participations outstanding | $36.5M |
| Loans outstanding per 100 members | 137% |
| Loans granted per 100 members, annualized | 160% |
| Average loan balance | $11,312 |
| Loans granted, annualized | $30.7M |

## Participation posture (from the same filings)

Bought $21.6M and sold $0 in the latest annualized quarter; $36.5M outstanding purchased (166.8% of net worth), $0 sold and retained. Sold in 0 and bought in 5 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 | 0 |  |  |
| 2016-06 | 1 | delinquency 2x band |  |
| 2016-09 | 2 | net worth falling |  |
| 2016-12 | 1 |  | net worth falling |
| 2017-03 | 2 | delinquency rising, members leaving | delinquency 2x band |
| 2017-06 | 2 | delinquency 2x band | delinquency rising |
| 2017-09 | 2 |  |  |
| 2017-12 | 0 |  | members leaving, delinquency 2x band |
| 2018-03 | 1 | delinquency 2x band |  |
| 2018-06 | 2 | members leaving |  |
| 2018-09 | 3 | assets shrinking |  |
| 2018-12 | 3 | delinquency rising | assets shrinking |
| 2019-03 | 1 |  | members leaving, delinquency rising |
| 2019-06 | 2 | assets shrinking |  |
| 2019-09 | 2 | members leaving | assets shrinking |
| 2019-12 | 1 |  | delinquency 2x band |
| 2020-03 | 1 |  |  |
| 2020-06 | 0 |  | members leaving |
| 2020-09 | 1 | net worth falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 3 | margin squeeze, delinquency 2x band |  |
| 2021-06 | 2 |  | net worth falling |
| 2021-09 | 2 | members leaving | delinquency 2x band |
| 2021-12 | 5 | delinquency 2x band, delinquency rising, loan book shrinking |  |
| 2022-03 | 3 | net worth falling | margin squeeze, delinquency 2x band, delinquency rising |
| 2022-06 | 2 | 3rd-party paper>100% NW | loan book shrinking, net worth falling |
| 2022-09 | 2 |  |  |
| 2022-12 | 1 |  | 3rd-party paper>100% NW |
| 2023-03 | 0 |  | members leaving |
| 2023-06 | 1 | assets shrinking |  |
| 2023-09 | 2 | delinquency rising |  |
| 2023-12 | 1 |  | delinquency rising |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 | delinquency rising | assets shrinking |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 0 |  | delinquency rising |
| 2025-12 | 1 | 3rd-party paper>100% NW |  |
| 2026-03 | 1 |  |  |

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

- 2025-10-29 [United Way hosts food drive amid government shutdown - kswo.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxPNjhhV3lKQnhheXB1c3dfcHlMbUtFU3p2WDZwcG1qT2FPdVdzNkM0QkFjRmZTNFlPSDI1dG5LVms1MWVyWGxkdTdGdWxBRkxLU0I4YU5NUC1WZUp0ZkN6ZmZlVVp0MWYzeVBaSDc0U1VseEpCN0Q0a0dFcHNTTmRhcnN2UWc3ckxlbURTT3NB0gGiAUFVX3lxTE5fanZYTGx1ZU16VE1QMDVmZHR0ODMzTkJLQ2g2YTJvUVA5M1pnVzh3aUlmMXJBLTNZc0VWdldfbGNvS2c5THdvVl9OTWt5cXltVmpkTF9JWjBkeHZCS09kSm1nck90UkRiV2syM1lIbE1zUkNONkMzbzhoZzZTMW5aVVV3Z3hjUW5PYTNicTdXVE9CMS11Qng3MnV1RW8wSGtoZw?oc=5) · kswo.com
- 2023-07-14 [Tinker Federal Credit Union donates $10K to American Red Cross - KFOR](https://news.google.com/rss/articles/CBMilAFBVV95cUxPaDZRVmhqZ0drOXhLS2NyTWxsV3N1LUpRRmd1QXd0RnhDZEl5QU5mRzBlVUloT2drQ0t4QXdLY0FtbndBOHVHc0w2MWRFbjhCX2Y5NEZJUmNpTFU4R1lpbG1lcktIXzYzTDB4amZwZFlmSnA2WmtSeG5heDcxUkFvbEw2bE9IMFpKRjBLS3RTREtQdDR60gGaAUFVX3lxTE9oVFc1cTZZcGo0eXdGZ3ZkSG5RaTlIZHhVX0NmbE11d0J6RlhfTmxrSHFqOHc3M1d5aVBCa01ENGpUU2dvNThKSXRybTVhaXVweGZISUZPQmdPRk9LZmlLZDAzeTdRYlRZUXpfaDlibll3Z1llbVNEOTZQeVBaUFA1ZERKNGI2d0UwbXNjRDUtNXhsSHFUbDV5bHc?oc=5) · KFOR
- 2025-10-13 [Halloween events taking place across Southwest Oklahoma - kswo.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxPRk5NX1Q4VHRNZ0FWZ2U4M1dsejhoV0V5emhTcTVMZTRwWVJYUXJXZGh0Zk9mMkJDTGd1M203MFVwU0xvY0R2dENkQnpDWmNHTUo2SFVKNVhIOXlSdkZDR3VoOFhFRi1odlpDR21OMXVXSHZydllXT1dSMnlRQUhFdDFoWVVUZUZsWlQxSk1YV21Pd9IBpgFBVV95cUxNZVBtRkpBLTVRbjhkVnBZU1ZkUTctUVpOMVFLc2EwcjhYWThwb0M4OXIxdTFrcjJBZzNncm4xVjBrem1yV1k5cWl2cmtKTWEzNXNfZ0kxWWJLcGtkMTh5TEZnQmx5ZzlFcHJLMnZ5NTgyZVlrNWY5cVNzVnEzMmFLRlpXcTZ2UUx2dWtDajhBbU9wdnREN0x4eG0tbFgzbjZKaW15eFRn?oc=5) · kswo.com
- 2019-03-06 [FBI investigates Tuesday bank robbery in Oklahoma City Stockyards district - The Oklahoman](https://news.google.com/rss/articles/CBMivwFBVV95cUxQUThMZklvOWNRX0pSLXlTN2lKX2Vvb0dpYmdwbHFNRm5BWHY0SFN6cHdLMUh2VFA2ZVVheDF5TWVZMkJhVFphLXhYLXY0TmRyc1lKb3FSN1NkeWlHN0RRbXR2MGhqR1pld2tQNVktYzdXZjl3NHNkaUNFMldEdkg4YUNRcG8ydDkxa2lsdDYwaFM1Umt4Z0tMdXN6REw2TmZvQ3hhc3J5cndyMW9wc29Gb3JiZERJcGhCMmlQQ3lYNA?oc=5) · The Oklahoman
- 2013-05-20 [The Tornado Outbreak of May 20, 2013 - weather.gov](https://news.google.com/rss/articles/CBMiVkFVX3lxTFAxM1ZmRzJwb1pFMzVYd2MxV1FzeGR4RWhrVkQ1SVlpanNjY01HVVJLM3YyQ19TUmgyMHVLVm5HeFVreWZrV21NUzJoT2tzTDRpM0hGcUp3?oc=5) · weather.gov
- 2020-05-12 [Foreclosures, evictions in large numbers expected statewide - southwestledger.news](https://news.google.com/rss/articles/CBMimAFBVV95cUxPV1NDRWhmcVpqNVI4XzhJOHlrSlBITWhRTWd2YVZGQWwzZHZONW9WMndfLVFjV1ZlY3JWQTVEem9lT1Z5V2x5c2t2c3FteE1WVUloVFZ4a1BlbVphYndXanRUUGQwWFd3S2ticnIxNmhMR0xCZDE0ZWU4MlpWVmJHTzRDbTBBcG9DazYzX1ZZNFI3a1JaYmctQw?oc=5) · southwestledger.news
- 2023-10-10 [Robin L. Staggs Obituary (2023) - Altus, OK - Lowell-Tims Funeral Home And Crematory - Altus - legacy.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxOYWxaanBGZ0ZDRlVGMGk2MEc3TnNMRE5IQ0h1a282OEVJM0pTWkg4Z19uU2NYZzVMbmlOSFFaY3Nac1lzaGs0WG5iTElURlk2bUtWUk5FM2pnazY5TzBaVHFYT3Y0dVFsZmNnSXBxdnJ0dFNFY0NYMW1FVnRRTWZyZw?oc=5) · legacy.com
- 2025-07-25 [Communication Federal Credit Union opens new branch in Lawton - kswo.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxNSmNpd3Z6VGNHWnNJVVJMTlJ6aFVHOG1MR2ZBdGNFbmdnRW9DeHdDZ3RYcml2Q19PTk0wN2xxV0pMend0aWpTWXc2NnM5R2w5QXB4SllQb05xSHhwTWM3X0RkazR1QngydVJEV0N1Rm9Vd2tTUVZ0Z2ZpWEZKWXNDWHlrcHdRcGI5Q1FiZlAtUDk0aTk1SkHSAaoBQVVfeXFMUHpkVDhZWUdiSnhPSlVzZmRQZVhUdmdWbzFNNllURVZydnZKek5mUlVuMktZUW54OFB6WDBDZUVJOWlLVGQ3b29obUtIRDRqU3Q5dC02Q01aV1FPbHduYVY5eV85M2ktQl9Qc0s4M1VCWENHTjdRZGlweWQtdDhJUlhfdVBTS0Y1RDczME1icW1fYUF5NDZsWDlGcjZOSElBeWdvZFpKOVhtS0E?oc=5) · kswo.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=12271 (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/47.json (key "12271", 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=12271
- 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