# GREEN COUNTRY
Sand Springs, OK · NCUA charter 24613 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/green-country-24613

Who the members are: federal charter, community charter, organized 1970, low-income designated. 9,303 members of 1,059,803 potential (0.9% of the field); checking penetration 83% (share draft accounts per 100 members); loans per 100 members 46.

**Verdict on the desk:** this could be *stressed*. Composite score 5 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $129.4M |
| Members | 9,303 (-3.0% YoY) |
| Full-time staff | 31 |
| Net worth | $11.6M |
| Net worth ratio | 9.0% (p13 of band) |
| ROA (annualized) | -0.40% (p5 of band) |
| Total delinquency | 4.98% (p100 of band) |
| Net charge-offs (annualized) | 0.74% (p81 of band) |
| Loans / shares | 69% (p49 of band) |
| Cash / assets | 11.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.19% (p23 of band) |
| Operating expense / assets | 5.06% (p88 of band) |
| Vehicles % of loans | 39% (p55 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 60% |
| Third-party paper % of net worth | 171% (p82 of band) |
| Vehicle delinquency | 1.01% (p71 of band) |
| Vehicle NCO | 2.06% (p92 of band) |
| Repossessed % of vehicle book | 0.08% (p77 of band) |
| Real estate % of loans | 29% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 160% |
| Core shares % of member funds | 50% |
| Certificates % of member funds | 8% |
| Average share balance | $6,667 |
| Participations bought / yr | $1.9M |
| Participations sold / yr | $0 |
| Participations outstanding | $2.6M |
| Loans outstanding per 100 members | 46% |
| Loans granted per 100 members, annualized | 18% |
| Average loan balance | $19,401 |
| Loans granted, annualized | $20.0M |

## Participation posture (from the same filings)

Bought $1.9M and sold $0 in the latest annualized quarter; $2.6M outstanding purchased (22.8% of net worth), $2.7M sold and retained. Sold in 0 and bought in 5 of the last 8 quarters. Shares -5.5% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **losing money** (`earn_negative`)
- **delinquency 2x band** (`aq_dq_high`)
- **assets shrinking** (`shrink_assets`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 4 | thin capital, expense trap, delinquency 2x band, repo signal |  |
| 2016-06 | 3 |  | repo signal |
| 2016-09 | 3 |  |  |
| 2016-12 | 4 | repo signal |  |
| 2017-03 | 5 | members leaving |  |
| 2017-06 | 3 |  | delinquency 2x band, repo signal |
| 2017-09 | 2 |  | members leaving |
| 2017-12 | 3 | delinquency 2x band |  |
| 2018-03 | 3 |  |  |
| 2018-06 | 4 | net worth falling, leaning on borrowings | expense trap |
| 2018-09 | 3 | delinquency rising | net worth falling, leaning on borrowings |
| 2018-12 | 3 |  |  |
| 2019-03 | 5 | net worth falling, charge-offs p90 |  |
| 2019-06 | 5 |  |  |
| 2019-09 | 3 |  | delinquency rising, net worth falling |
| 2019-12 | 4 | repo signal |  |
| 2020-03 | 5 | net worth falling |  |
| 2020-06 | 6 | margin squeeze |  |
| 2020-09 | 5 |  | net worth falling |
| 2020-12 | 5 |  |  |
| 2021-03 | 9 | capital below 7%, net worth falling, loan book shrinking |  |
| 2021-06 | 5 | expense trap | repo signal, capital below 7%, net worth falling, loan book shrinking |
| 2021-09 | 5 |  |  |
| 2021-12 | 4 |  | margin squeeze |
| 2022-03 | 3 |  | expense trap |
| 2022-06 | 4 | 3rd-party paper>100% NW |  |
| 2022-09 | 5 | capital below 7%, margin squeeze | delinquency 2x band, charge-offs p90 |
| 2022-12 | 5 |  |  |
| 2023-03 | 5 |  |  |
| 2023-06 | 5 |  |  |
| 2023-09 | 3 | delinquency rising | capital below 7%, margin squeeze |
| 2023-12 | 3 |  |  |
| 2024-03 | 4 | assets shrinking |  |
| 2024-06 | 4 | delinquency 2x band | assets shrinking |
| 2024-09 | 5 | assets shrinking |  |
| 2024-12 | 5 |  |  |
| 2025-03 | 5 |  |  |
| 2025-06 | 4 |  | assets shrinking |
| 2025-09 | 4 | assets shrinking | delinquency rising |
| 2025-12 | 3 |  | thin capital |
| 2026-03 | 5 | thin capital, losing money |  |

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

- 2026-08-27 [Explosion at Sand Springs business complex damages at least 25 businesses - News On 6](https://news.google.com/rss/articles/CBMitAFBVV95cUxPbUhuZnRRd25QaVBQR2c5cEJ0bjlxYl9pLUViSTR2RXNBV2VLa3cwelFZdEE3M2ZaYmlxZlRtWDlrNzFTZ3E5NWticlgxaHN4dFFweXVDZXA5Tl95ZEVRem1fSVl4WFhleVpzZ1ZFbm9Gc0dQdUtCeWxkTGFuYWpNWmM2d195bG1OS0lOMFdaYV9ZWWJpNlF3V1oycmx6d3QzVWVRMkliSFNVc0wwMHAzMmhHUVk?oc=5) · News On 6
- 2022-03-05 [Ella Pettyjohn wins 2022 Scripps Green Country Regional Spelling Bee - KJRH](https://news.google.com/rss/articles/CBMiqAFBVV95cUxQMW4tVy00UVN0cDF4MDlYcXZUZEhEX1RLRGl0OGk5TDl3ZG4ySlFyWHo5NkNKcmZZd0NPWHh3bjRLUGpENjZfeGRrTHVoN0tmWXJTenNMeHZjVVpweVVXc3NjLXdZQmQxRWxLLUdIcmtJc2FMYXNwVXp1c3k3bEtsWEVSOXBBclBadlYtSU90OTd0dDV1WURKMkdNZkY3OTgtSWZHZ2dlNUI?oc=5) · KJRH
- 2019-04-05 [Sand Springs Accountants & Financial Services - Sandite Pride News](https://news.google.com/rss/articles/CBMiVkFVX3lxTE9ReTRsU1V1OTkwN2tONVZ1NDR0dTJNUnN0WWNTRjZkRnBxNUdMWTFtNXFzS2pLSi1RWkdKYXBkWjIwbURmODJIbHZyNEh1clU3bGhaTnJR?oc=5) · Sandite Pride News
- 2016-03-22 [Portrait of first African American Deputy Marshal Bass Reeves Unveiled - Oklahoma State Senate (.gov)](https://news.google.com/rss/articles/CBMipgFBVV95cUxOVGdXNTRJLXVRXzljbGZEeWdFRkxNRjVzOGtTR3hUWUYtTVR5ZFdnX3ZFc0wzN3plLW14NGNBVmtKbXk4QS1abFZVSW84YnJ0ZG9KSmVudmFWczAwdTZOOGw3LWtBMDVMbEE1dEFPeklRVGJQZkhuZnVwZkJKbDgtLXlYUlVVTjFUN2Y2NjBseTVlc3U2VUVKWENpSEdQZHNleXJXa0lB?oc=5) · Oklahoma State Senate (.gov)
- 2024-04-30 [Max Flores, Greg Carr and Brent Carlow join First National Bank of Broken Arrow - Broken Arrow Sentinel](https://news.google.com/rss/articles/CBMipAFBVV95cUxNdDl6S1JoUzRfRjVfV3Z0VUlocXlHNDIyeTZSb0p0OUd1VkFmZy1iVFJEZFFkOVo2UXpVVVlNTC11OHdaSzVfOGpMWU56X2ZCU0VGcE9Sc0Z1Z1Z6dHlpVjJDNlNNcDF3UGloZlF1b2pYNmVrbkxMOUpNRDl4aUQtMHRldHhZT1o0b3lETzhsTkVoWGE3Um5oLXpwcXQ4WjB0UnlhbA?oc=5) · Broken Arrow Sentinel
- 2025-09-30 [2025 Faces of the 918 - TulsaPeople Magazine](https://news.google.com/rss/articles/CBMivwFBVV95cUxOYXd6bWI0X2E1czVDWVhMTUZjUVN5OHg4SWhSNTFOcWJqRkhJRUxaR3NxdWVkdlRVdmdVVUkydmpfN1ZoUDNBV2lvdjQzNkE3UlkxcmRTcXRBSlo3ZEsxOVNpM2NxUHBLZTg3Nml2ZVRXYjIxZUhJVW9odTI3TFZxV0lwM3RHV0EweFQ0RjBjSlR6N2lqMXNURmFVMU1IX0M2MXBHSlVpaVJaU21SeDhXeFhNeGRMTjVqNnZUZTJPbw?oc=5) · TulsaPeople Magazine
- 2025-10-22 [Donation drop off locations for 2025 holiday Toy Drive on Dec. 5 - KTUL](https://news.google.com/rss/articles/CBMigAJBVV95cUxPVjA1SkRKVGUtMGxlVkZTZThia0VNMmJidDRGRGNGZnF6QUVSa0htVUFUZF9zNEpxNm5fUTI1MUdIbml0MEpPdFhGREZkb003Qk9nZTY1U1JvbTE5NkR4X0swTjB4WjJ6UU8xanhGNHBhbE9VRy1lNGk0M3VkVmFDNHRmaHcyeUNYTkVBbmJnajBPR1U1UUdra2ZteE0wQWg0aTU1VFhTalNOYVI3VEdualNFd1Ewb05iN1MwNzRhTV93M1hCWl92VzFXNFNhUGlIdV9NMTFmb002QkxLNFZ2c3JRS29XZWpSamZOaU1ncHFLQ0t1RDNJSjRfTUlpUXRf?oc=5) · KTUL
- 2018-02-19 [BANK ROBBERY: Police release sketch of suspect - Bartlesville Examiner-Enterprise](https://news.google.com/rss/articles/CBMisAFBVV95cUxNczFFemJmU1NrTk51MDZYNWt6M2E4Tm51M1JRcWdkREY3VkhVTjNReFFBSHd1cGlyRzA3Z0R6cnBsVjVRaWlLYi05YUdTbnExQUI4T2pFUTZ0RGxtM0lnS1hySk5WNFdDNXc5WlYxMGFTUlhXeWtWdWVxR1I3eUs4OTRzTkpMeDhxSWVWNXgyMzMwNkV6Q0h6YXViWVZNWTJmNjNkOUJmZGhmcDhyb3h5eQ?oc=5) · Bartlesville Examiner-Enterprise

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24613 (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/37.json (key "24613", 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=24613
- 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