# MY CHOICE
Tulsa, OK · NCUA charter 19676 · asset band <$50M · latest filing 2017-09 · stopped filing after 2017-09 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/my-choice-19676

Who the members are: federal charter, multiple common bond, organized 1969, low-income designated. 605 members of 5,500 potential (11.0% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 27.

**Verdict on the desk:** this could be *stressed*. Composite score 10 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $1.5M |
| Members | 605 (-6.1% YoY) |
| Full-time staff | 1 |
| Net worth | $103,046 |
| Net worth ratio | 6.8% (p3 of band) |
| ROA (annualized) | -0.43% (p14 of band) |
| Total delinquency | 2.35% (p78 of band) |
| Net charge-offs (annualized) | 0.00% (p19 of band) |
| Loans / shares | 88% (p90 of band) |
| Cash / assets | 16.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.25% (p85 of band) |
| Operating expense / assets | 5.86% (p92 of band) |
| Vehicles % of loans | 90% (p98 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 2.56% (p84 of band) |
| Vehicle NCO | 0.00% (p24 of band) |
| Repossessed % of vehicle book | 0.00% (p44 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 1% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 49% |
| Certificates % of member funds | 6% |
| Average share balance | $1,822 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 27% |
| Loans granted per 100 members, annualized | 11% |
| Average loan balance | $7,583 |
| Loans granted, annualized | $533,984 |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **capital below 7%** (`cap_critical`)
- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **delinquency 2x band** (`aq_dq_high`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)
- **loan book shrinking** (`shrink_loans`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 10 | thin capital, capital below 7%, losing money, expense trap, delinquency 2x band, charge-offs p90, loans>95% of shares, leaning on borrowings, auto monoline |  |
| 2016-06 | 6 |  | delinquency 2x band, charge-offs p90, loans>95% of shares, leaning on borrowings |
| 2016-09 | 7 | net worth falling |  |
| 2016-12 | 6 |  | net worth falling |
| 2017-03 | 6 |  |  |
| 2017-06 | 7 | margin squeeze, assets shrinking | expense trap |
| 2017-09 | 10 | expense trap, delinquency 2x band, members leaving, loan book shrinking | margin squeeze |

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

- 2017-12-28 [Tinker FCU absorbs tiny Tulsa-based credit union in merger - American Banker](https://news.google.com/rss/articles/CBMiwgFBVV95cUxObWRqQm1YVFVaM0FEU3o1UlhxbVVLcVhscTM2QTNYdThsNmZvQ0x2WFVpTVg0NmU5WV9fNTRPLS1YTVhKcnc3ZzFyZW5UNzgwY2NhTjBhd3gzNlpvSUlBZ3NNeXVPLS1qdHBXSUlMRkI4T0w3dmxpYVlkWGJuUnNMWV9vMzlncHF1Z0dGdEEwRlZ3TVRub3NacVNEcjVTaVBUblJrUjhicjhTQjhyenNST2VqQ2s3THlYR1hYRTNRWU1Cdw?oc=5) · American Banker
- 2023-11-27 [Why pursuing a second bachelor’s degree was the right choice for me - University Affairs](https://news.google.com/rss/articles/CBMirwFBVV95cUxPdkJWd3RoZXUtQllMSW9tV1F5aGxPU3BDajlIMjh2MVVWcmpJeG9RYWNSeTVxekVnNmx1NE4wTU1kOGpGMklnYXd2ZmJDSTM1eXVRandjWUtzR0FIaHduWHE3dWhmTmxWOVJicGQteFFjVXh6Nm4ycEw4dC1YMVBUNURsN2JpQjJVeXFnUVZ4VTdOUnppTlMweUVFejhKa25URFg5T2ZpYnBUT2twQjQ4?oc=5) · University Affairs
- 2021-05-22 [Ask Amy: Readers pile on against being called ‘honey,’ ‘sweetie’ - oregonlive.com](https://news.google.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?oc=5) · oregonlive.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=19676 (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/28.json (key "19676", 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=19676
- 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