# COMANCHE COUNTY
Lawton, OK · NCUA charter 16367 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/comanche-county-16367

Who the members are: federal charter, multiple common bond, organized 1964, low-income designated. 3,223 members of 6,000 potential (53.7% of the field); checking penetration 48% (share draft accounts per 100 members); loans per 100 members 22.

**Verdict on the desk:** this could be *auto monoline*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $36.2M |
| Members | 3,223 (-10.2% YoY) |
| Full-time staff | 8 |
| Net worth | $6.7M |
| Net worth ratio | 18.5% (p68 of band) |
| ROA (annualized) | 1.36% (p82 of band) |
| Total delinquency | 0.00% (p8 of band) |
| Net charge-offs (annualized) | 0.04% (p54 of band) |
| Loans / shares | 22% (p7 of band) |
| Cash / assets | 80.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.55% (p36 of band) |
| Operating expense / assets | 2.89% (p29 of band) |
| Vehicles % of loans | 76% (p75 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 6% |
| Third-party paper % of net worth | 5% (p89 of band) |
| Vehicle delinquency | 0.00% (p16 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 11% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 78% |
| Certificates % of member funds | 14% |
| Average share balance | $6,743 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 22% |
| Loans granted per 100 members, annualized | 7% |
| Average loan balance | $9,152 |
| Loans granted, annualized | $4.1M |

## Flags firing in the latest filing

- **members leaving** (`shrink_members`)
- **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 | delinquency rising |  |
| 2017-06 | 1 |  | delinquency rising |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 2 | net worth falling |  |
| 2020-09 | 1 |  | net worth falling |
| 2020-12 | 2 | margin squeeze |  |
| 2021-03 | 3 | net worth falling |  |
| 2021-06 | 3 | delinquency rising | net worth falling |
| 2021-09 | 3 |  |  |
| 2021-12 | 2 |  | delinquency rising |
| 2022-03 | 2 | net worth falling | margin squeeze |
| 2022-06 | 2 | delinquency rising | net worth falling |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 |  |  |
| 2023-06 | 1 |  | delinquency rising |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 2 | delinquency rising |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 3 | repo signal |  |
| 2024-12 | 1 |  | delinquency rising, repo signal |
| 2025-03 | 1 |  |  |
| 2025-06 | 2 | members leaving |  |
| 2025-09 | 3 | loan book shrinking |  |
| 2025-12 | 2 |  | loan book shrinking |
| 2026-03 | 2 |  |  |

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

- 2026-07-29 [Comanche County Health Department offers free financial literacy workshops through September - kswo.com](https://news.google.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?oc=5) · kswo.com
- 2025-10-13 [Halloween events taking place across Southwest Oklahoma - kswo.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxPRk5NX1Q4VHRNZ0FWZ2U4M1dsejhoV0V5emhTcTVMZTRwWVJYUXJXZGh0Zk9mMkJDTGd1M203MFVwU0xvY0R2dENkQnpDWmNHTUo2SFVKNVhIOXlSdkZDR3VoOFhFRi1odlpDR21OMXVXSHZydllXT1dSMnlRQUhFdDFoWVVUZUZsWlQxSk1YV21Pd9IBpgFBVV95cUxNZVBtRkpBLTVRbjhkVnBZU1ZkUTctUVpOMVFLc2EwcjhYWThwb0M4OXIxdTFrcjJBZzNncm4xVjBrem1yV1k5cWl2cmtKTWEzNXNfZ0kxWWJLcGtkMTh5TEZnQmx5ZzlFcHJLMnZ5NTgyZVlrNWY5cVNzVnEzMmFLRlpXcTZ2UUx2dWtDajhBbU9wdnREN0x4eG0tbFgzbjZKaW15eFRn?oc=5) · kswo.com
- 2020-05-12 [Foreclosures, evictions in large numbers expected statewide - southwestledger.news](https://news.google.com/rss/articles/CBMimAFBVV95cUxPV1NDRWhmcVpqNVI4XzhJOHlrSlBITWhRTWd2YVZGQWwzZHZONW9WMndfLVFjV1ZlY3JWQTVEem9lT1Z5V2x5c2t2c3FteE1WVUloVFZ4a1BlbVphYndXanRUUGQwWFd3S2ticnIxNmhMR0xCZDE0ZWU4MlpWVmJHTzRDbTBBcG9DazYzX1ZZNFI3a1JaYmctQw?oc=5) · southwestledger.news
- 2025-08-03 [It's Your Business has Christy Bullard, Kristen Martinek and Michael Albers - The Topeka Capital-Journal](https://news.google.com/rss/articles/CBMixwFBVV95cUxQNk5UU1FweTE5bG4wTXhYYmdidUdVLWFUNHgtYXR6NEdXYUNXdTdFZEZSa21aaWtwZEVHMU5DcmxpUjFGdGx2LThLdk9DVjlfY3pET3VtRmRsMlFuUVZFVXFNVG4xY2tNQVdHbEZjOXBJMTBMNTlzcjFyZTBIWnl6Z2MyUTBOTDd3cUhlLUEzQzVEeHV0eDNYb1RYZVZKNHJsY21zZzZnUXJPamlDYzZrUno4c0k1TngxUHk4R1pJdzEwQUNGQ1dN?oc=5) · The Topeka Capital-Journal
- 2023-04-21 [Jason Paul Epp - legacy.com](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPODBaSWxidE1zMFNjZEtpcG85eG54RG1KMVhWQkpYdUlLZURUZUJnZWV2SENlTWVhc1JscV84d1pxNm1wMTZha3JlZGN0SDBfa0kyMzdqUjJ4eFFCZ3RyOURVQzV2cVFpWUo1OUZKQXZGZUtKaG1TX19rVzlXNEN4Ymo4Q1dZWGlEaFJn?oc=5) · legacy.com
- 2017-04-05 [Elgin students learn about managing money through "Banzai" program - kswo.com](https://news.google.com/rss/articles/CBMiowFBVV95cUxQUVptcXRveWlhbzZPYXh0QlhFSHR0R3BkLXc3YkhwQ0otTXVvM1k3Z2dkSDZlb2U0aGcyclVYRjF3VjM3RTh1SEFQbVRwM2dBQ0IyZDF4OUFpemRaVnVWVmZoMlJta1RrODMzMDlvWEpkTjFzRDRoLXFxYVlJc1R6R3NtRFZ4cHd6aGgycGwtRUk0OHpTZ2Nzdkd1X0pTWWdsOTB30gG2AUFVX3lxTE9Ra01SQUZtSmVuaFhFbEl1ZE9MUDRQREMxcGJDU1AxR1dZQXFlS3FCZ0xfSTZIdFcyNHUzSHc2RUR4dVd6akxnbENEZkJIQUJGY3RETzdQNGpVbXZmRW5LdUI3RVZhZHJZNjh0VWZGZGVnZkFfUk1EVHE0dkRnZl9Sb2hoRDBPLVlPZnlsVUQzWU50NWtrcEVJQ2FyQWhHaTRaVm1SOGFLQk5od1I0S2pfRzFVcDdB?oc=5) · kswo.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=16367 (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 "16367", 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=16367
- 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