# INTEGRIS
Oklahoma City, OK · NCUA charter 17218 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/integris-17218

Who the members are: federal charter, multiple common bond, organized 1966, low-income designated. 1,700 members of 10,000 potential (17.0% of the field); checking penetration 54% (share draft accounts per 100 members); loans per 100 members 21.

**Verdict on the desk:** this could be *too clean*. 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 | $14.6M |
| Members | 1,700 (-1.3% YoY) |
| Full-time staff | 7 |
| Net worth | $1.7M |
| Net worth ratio | 11.3% (p25 of band) |
| ROA (annualized) | -0.28% (p18 of band) |
| Total delinquency | 0.00% (p8 of band) |
| Net charge-offs (annualized) | 0.00% (p37 of band) |
| Loans / shares | 29% (p13 of band) |
| Cash / assets | 72.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.77% (p46 of band) |
| Operating expense / assets | 5.02% (p79 of band) |
| Vehicles % of loans | 92% (p98 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 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 | 0% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 92% |
| Certificates % of member funds | 8% |
| Average share balance | $5,132 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 21% |
| Loans granted per 100 members, annualized | 3% |
| Average loan balance | $10,776 |
| Loans granted, annualized | $714,832 |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **loan book shrinking** (`shrink_loans`)
- **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 | 4 | net worth falling, assets shrinking, members leaving |  |
| 2017-06 | 3 |  | assets shrinking |
| 2017-09 | 2 |  | net worth falling |
| 2017-12 | 2 |  |  |
| 2018-03 | 3 | delinquency rising |  |
| 2018-06 | 3 |  |  |
| 2018-09 | 2 |  | members leaving |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 | net worth falling | delinquency rising |
| 2019-06 | 1 |  | net worth falling |
| 2019-09 | 2 | members leaving |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 1 |  | members leaving |
| 2020-06 | 3 | losing money, delinquency rising |  |
| 2020-09 | 3 |  |  |
| 2020-12 | 4 | margin squeeze |  |
| 2021-03 | 5 | net worth falling, loan book shrinking | delinquency rising |
| 2021-06 | 3 | delinquency rising | losing money, net worth falling, loan book shrinking |
| 2021-09 | 5 | losing money, loan book shrinking |  |
| 2021-12 | 5 | net worth falling | margin squeeze |
| 2022-03 | 3 |  | delinquency rising, losing money |
| 2022-06 | 1 |  | loan book shrinking, net worth falling |
| 2022-09 | 1 |  |  |
| 2022-12 | 3 | net worth falling, members leaving |  |
| 2023-03 | 2 |  | net worth falling |
| 2023-06 | 2 |  |  |
| 2023-09 | 3 | delinquency rising |  |
| 2023-12 | 3 | assets shrinking, loan book shrinking | members leaving, delinquency rising |
| 2024-03 | 3 |  |  |
| 2024-06 | 3 |  |  |
| 2024-09 | 3 |  |  |
| 2024-12 | 4 | delinquency rising |  |
| 2025-03 | 4 | net worth falling | delinquency rising |
| 2025-06 | 3 | members leaving | assets shrinking, net worth falling |
| 2025-09 | 3 |  |  |
| 2025-12 | 3 | assets shrinking | loan book shrinking |
| 2026-03 | 3 | losing money, loan book shrinking | members leaving, assets shrinking |

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

- 2026-07-07 [INTEGRIS Health Edmond expands women’s center with new maternity services - journalrecord.com](https://news.google.com/rss/articles/CBMiowFBVV95cUxPMjJBZDlLdldmQk9hTkk5VW5MaHFMRlZqNG9rUjhQQS1jdGd0RnNuaFFFTkczc2FsVHEzc3VhejZkRGd2TmFra0NYNWtzNWxRR2hzbHhMN0I5UXJXa0JmWTNLUWNMQ0YtNER3RE9BSFNqNkVkdE5TdGZsZ0ZIMW13ZDhQWWlJeVdZVmJGMUlxWTRSRWdsaGRhaERBMUl1UjgwYUJB?oc=5) · journalrecord.com
- 2023-09-25 [Gallery: The Best Annual Reports from Banks and Credit Unions - The Financial Brand](https://news.google.com/rss/articles/CBMiogFBVV95cUxPTzRDc2M2U2FXYlRCcHdxaEFXcUxRcnYxLWV3TGRPeFRjbU9ZWFpxSEs5LVF1U0htMURsaFotTHAxTWVGRXJSWVotTnNSdjNYWFNteTNSa2JSYlllRUstUkFZc3Q4em5CeHZGX1ZCSjIzVVMtbU5XNGxOSmo4UjlVdzNOaDlfVlViLVZ0eFBtWFRDOWlxVldHdHlWOUFpNEJsWUE?oc=5) · The Financial Brand
- 2025-01-28 [Integris closing downtown branch to walk-in business - Prince George Citizen](https://news.google.com/rss/articles/CBMirAFBVV95cUxOTGJhSVJ6eElCT0s5endWUlkyczNibGlhQmotVUJCRkx4ZnBDOUFIM3cyME91aHdBV25RX3pFbVJvVDN6RHFacmNIOUpMWVc2S2RpZUFJdWdyNVhwSjZqWUdaTDdRWHhCN21mcWtlamZadzdZUmdDbVp5MXFKLXdCTE0tTzQ4aTBaS25sWkdpQVNqODNkQkdjVHgtaXB3elJlbUw4Z1BWZTVDd1It?oc=5) · Prince George Citizen
- 2023-01-07 [It's Your Business includes Stacie Mason, Ashley Esquibel, Christina Schmitt, Matt Koupal - The Topeka Capital-Journal](https://news.google.com/rss/articles/CBMi0AFBVV95cUxOaDZuVlEzNEdzbkpwTVVXaF9pc2FRQ05BRnZ6cFpHcUdhcURMNTFFdlY0QUZiVTZjb2lhbm4tdTI5SXplU3VHWTdZNHM1ek80Z1pSMFFJY1ZRZjRMOU9DajliZlQwSUlnY243UVYyVFh1SDFreGFvWVBfY3dQT3lBLXBlaS1GdGQ0ck9MTDZHUUNMcXlwLUhKR3pkbldoT1VhdGZMM1FVbnc4b1AycTNqVlVlTHZtaWFkQ3hrZE01dHltMlJtNlJZTnFLU3RtRGhU?oc=5) · The Topeka Capital-Journal
- 2023-08-30 [Debt collection most common type of lawsuit in Oklahoma but system is lacking, says nonprofit - Public Radio Tulsa](https://news.google.com/rss/articles/CBMi5gFBVV95cUxPUUFDeTREM3VlMHRvMldyQmN4bVV0SjFrVlExTlk5OFotRzZkUlF0TTlFWEoyNVp5UmVWM1BJeG1KQTYwczhTWlJSSXpIYUVvdFBTZFFGU1BaaUR5MGYyamlCQ1hNNm1zb09yZ0E5Qjhpc0pwVmduS0d2RUFrWG9CRmRJdXZiZUlvT2M1c0RmQ0JCRWx2Y2tGVWc2X1ZUMVJLVU5uYUR3cTlfb19UbTRvcE02Q19BSHd3SHNEOVBPckNWSkFTWnpsSi0yaU1VX25YMjNWYi1GdEItY2ZKZGFxMlhHeWtVUQ?oc=5) · Public Radio Tulsa
- 2017-08-20 [Business People: Oklahoma firms' new hires and promotions - The Oklahoman](https://news.google.com/rss/articles/CBMixAFBVV95cUxQc2RsZ0pkWlFBYnZNQkNJSC1CbG8xTHpua2tEaWlUT3VTYjZQMnBzbTdRcWZUQ21JYU1uMUJ1OEREaFY4UVN1U3p0aDZoQ0UyWDh3TjdsSDJxTVJzSkJSZ01odDZ3cXFHVk1pSzhPeFpGWFNZMTgtWE1faGd1SWRNeENDSjR4bUdXWmhKRkM2WVozS1dCbVo0M1VCVXpjbEY1MF9nTmNHbFdQNlVpU25FRFVhTnpZb040Z25CQXNrWGlsSWVE?oc=5) · The Oklahoman
- 2015-11-30 [Okla. reserve deputy reunites with girl he rescued during 2005 hurricanes - Police1](https://news.google.com/rss/articles/CBMi7gFBVV95cUxPSWR5MTFYeDBQdDc0YmhzQkJYR19QdmN6X24zaUhqRDBUTllTbVNZdkxUQTlDSkhDWW16YVdjX0ltNlJjWUpJNld3bXpDMlllejBGRXk3UWtsN1ZLX1p6LXB6LTd1dFJ6aWplcUNPaWRiWmhVWWxLSXNIdkNMNndPbi10U3BQUmJEcHcxVFVFWlQ4Uk92T0xWWDNJUTBpNEZ5cWZLWUhVMGp1aE9aY050bFVOR2NxTnZHeEhKdGxhZE5oZDdQQm15OFNJaW9SWjUzc092NjFWclNNbnNUcEVzaFhhWnlsT0tabFRuVGR3?oc=5) · Police1
- 2025-06-29 [INTEGRIS Health - journalrecord.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxNeThUZ1c3N2w1cnBSOF9ILTI1LW1DX2tINGcwWGc1czI3djF2WTBYMjFUX0lFTFM3QzNseHFOaUZ5X0lYdmJmYnpNSVNxOWl3UVFhcjE1R0hQRlMtQ09acnpkYm51S21PY3BLLXBtYUdnRUFKNUtWRm42SjhkajZMUGVn?oc=5) · journalrecord.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=17218 (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/2.json (key "17218", 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=17218
- 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