# CHOCTAW
CHOCTAW, MS · NCUA charter 22314 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/choctaw-22314

Who the members are: federal charter, community charter, organized 1976, low-income designated, minority depository institution. 2,064 members of 5,000 potential (41.3% of the field); checking penetration 6% (share draft accounts per 100 members); loans per 100 members 42.

**Verdict on the desk:** this could be *stressed*. Composite score 6 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $2.9M |
| Members | 2,064 (2.5% YoY) |
| Full-time staff | 4 |
| Net worth | $762,598 |
| Net worth ratio | 25.9% (p88 of band) |
| ROA (annualized) | -4.58% (p2 of band) |
| Total delinquency | 1.91% (p77 of band) |
| Net charge-offs (annualized) | 3.06% (p96 of band) |
| Loans / shares | 80% (p81 of band) |
| Cash / assets | 39.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 6.57% (p98 of band) |
| Operating expense / assets | 12.02% (p99 of band) |
| Vehicles % of loans | 44% (p30 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 2.47% (p84 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 | 0% |
| Unsecured % of loans | 56% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 100% |
| Certificates % of member funds | 0% |
| Average share balance | $992 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 42% |
| Loans granted per 100 members, annualized | 30% |
| Average loan balance | $2,032 |
| Loans granted, annualized | $1.3M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **delinquency 2x band** (`aq_dq_high`)
- **charge-offs p90** (`aq_nco_high`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | expense trap |  |
| 2016-06 | 3 | delinquency 2x band, loans>95% of shares |  |
| 2016-09 | 3 |  |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 5 | delinquency rising, charge-offs p90 |  |
| 2017-06 | 3 |  | loans>95% of shares, delinquency rising |
| 2017-09 | 6 | net worth falling, margin squeeze, loan book shrinking |  |
| 2017-12 | 4 | loans>95% of shares | delinquency 2x band, net worth falling, loan book shrinking |
| 2018-03 | 3 | losing money | margin squeeze, loans>95% of shares |
| 2018-06 | 6 | delinquency 2x band, delinquency rising, members leaving, loans>95% of shares | charge-offs p90 |
| 2018-09 | 5 | assets shrinking | losing money, delinquency rising |
| 2018-12 | 4 | losing money | delinquency 2x band, assets shrinking |
| 2019-03 | 3 |  | losing money |
| 2019-06 | 3 | delinquency 2x band | members leaving |
| 2019-09 | 3 |  |  |
| 2019-12 | 4 | delinquency rising |  |
| 2020-03 | 3 |  | delinquency 2x band |
| 2020-06 | 5 | margin squeeze, delinquency 2x band, charge-offs p90 | loans>95% of shares |
| 2020-09 | 6 | net worth falling, loan book shrinking | expense trap |
| 2020-12 | 6 | losing money, expense trap | delinquency rising, net worth falling |
| 2021-03 | 5 |  | delinquency 2x band |
| 2021-06 | 5 | delinquency 2x band | loan book shrinking |
| 2021-09 | 5 |  |  |
| 2021-12 | 3 |  | margin squeeze, delinquency 2x band |
| 2022-03 | 5 | margin squeeze, delinquency rising, members leaving | losing money |
| 2022-06 | 6 | delinquency 2x band |  |
| 2022-09 | 6 | assets shrinking | margin squeeze |
| 2022-12 | 7 | losing money |  |
| 2023-03 | 6 |  | members leaving |
| 2023-06 | 4 |  | delinquency rising, losing money |
| 2023-09 | 5 | loans>95% of shares |  |
| 2023-12 | 4 |  | delinquency 2x band |
| 2024-03 | 4 | losing money, loan book shrinking | charge-offs p90, loans>95% of shares |
| 2024-06 | 5 | net worth falling |  |
| 2024-09 | 6 | margin squeeze, delinquency 2x band | net worth falling |
| 2024-12 | 8 | delinquency rising, charge-offs p90 |  |
| 2025-03 | 5 |  | assets shrinking, losing money, charge-offs p90 |
| 2025-06 | 4 |  | loan book shrinking |
| 2025-09 | 5 | charge-offs p90 |  |
| 2025-12 | 4 |  | delinquency rising |
| 2026-03 | 6 | net worth falling, losing money, assets shrinking | margin squeeze |

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

- 2024-06-18 [Native American-Owned Banks and Credit Unions - NerdWallet](https://news.google.com/rss/articles/CBMiowFBVV95cUxOVkpYMnRXLXVURmF4UFZIMEZkWHBWYl9HZ25QZDREeXEyczZ5di1fYVVfSy03ck9FdTJRZWhrQk1UOUJSelh4Vkc4b0tPdzlmQWlzRm5wc1ZGMk93ekV6eE1YbVJvaC1GZ0Y3V3hNbDk4M2hHZzFOWVZLYVQtNUQwblV2UjlWTk5WRi13OEtzNFIzMVNrdXI3RUNQbTItMk9RTmJr?oc=5) · NerdWallet
- 2020-10-01 [Mississippi Band of Choctaw EDO: Economic downturn presents ‘ideal time’ for Native entrepreneurs - Tribal Business News](https://news.google.com/rss/articles/CBMi8wFBVV95cUxQZ1FuMk1ZbmVQdVppVVBJbno0MnhiSXF1TXpKdzNRVTJ3Z3RQdkc3S04wcTNmVi1UVlVUYkl4T0hBZGp1U1pkUHRVTE8yOXVHWTdJOUd5N2JmUEZ3bFRjTDZIWUozMWdoNE8xT1huS3dCQ0hXSjl1bDA1SmVyaV8zS2NMUGxSanRQeEdLYlVFSURtSnZFcm9fblZZb1NrblkzOG1vdm0zM3JKV2dSZmZOMUVZdGJtUjllSjBjZGVqdlRGWGQ4NVBLaEU1bnpGamoxODRlUWdRbWwxYmFEaGxoXzZSU2dLSGUzUEVsYnBfeXB3azQ?oc=5) · Tribal Business News
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- 2020-11-18 [Native American-Owned Banks by State - Investopedia](https://news.google.com/rss/articles/CBMifkFVX3lxTE9MQVNiajFseGo2LW5UQVNLbzVEbHdCM1Jlekl3TDI0MnZuTWNuRDhMc1h6Nnc1STA4NU1jUnlFLXJ4NEs4Nm5pdG05UC1JYUhZRVljcnl0a1YyWUVnZzhQNkRSOXU2TVQwTmJRbWwwOUNkQ01EOE9SaDBzNTR1dw?oc=5) · Investopedia
- 2018-04-17 [Spencer Phillips Obituary - Oklahoma City, OK - Dignity Memorial](https://news.google.com/rss/articles/CBMijAFBVV95cUxOeGZBaWp1Q3JpSkotZmhtWWEtdy10MGZJcWs3MmhaYkx0UXR6djlsa04wM2N5TDhLSmk1R2EwcjktLTJLWVNrQ3BXbHlZeWJvWHZYQWVCcXMyXy02NDUwV0NoWG90QXBCU3FVWUp5aVdiVGNKNFhob1ZVemY4Z2VhbmY0VW5DNGJZajgzUA?oc=5) · Dignity Memorial
- 2025-06-10 [The 2024-25 OKC Metro High School Sports Awards show winners - The Oklahoman](https://news.google.com/rss/articles/CBMi5wFBVV95cUxNdFNfaXJQdVV0bzFCMGkxdmZJUDRob2ZWVDNWdTBTbWNfYzAxZTdVQVVHUjB3REJ3YUtVbmtMRFMyMmdybzBVbVhBT2xDUDczMDctNVJrSDRaRXpxNVNRV3E5ZnA5ckJqTVJtWW5tTGlYNGFvdlEwNDRKa2FrZVhIVV9OemhOaHhCTjZqc0g4RjRhWEtIa2htd0h3dVNUbF9ibnFhSE5LUnNQY2RweEZ0UEt3blR0QVNsTnc4OWU5S0E5S0NGSVd6UlJSckgxRG1FZkt4VEZraGFBWjZENzRaYVB1dnFvbGM?oc=5) · The Oklahoman
- 2025-09-09 [Where is the best place to work in Oklahoma? Forbes names top 10 employers - The Oklahoman](https://news.google.com/rss/articles/CBMixAFBVV95cUxOSmZHYnh5bUIwWnFMdW95cXlZOXVSYm9ZMHRYaFlJSW1HOE4zR1VwTURoV3BVdjJaRGxRbndHZnRjcm04dm1JWUFqcVFWTFBibWZyZ2FNUlF3UXhhMmhBa01ySXVvQkdWdjB0SU1pR2Q0MTNkV3JnRmcwTU0tRnF2R1FDa0M0MWNMdWlnc1ZuaHdQczZLNTZjZmRHTGEycHNoRmRtYnRIekN2ZDZmLUxjUXlkUE1vNnlwM0pqaEtnbjZZRnNf?oc=5) · The Oklahoman

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=22314 (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/42.json (key "22314", 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=22314
- 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