# OAK CLIFF CHRISTIAN
Dallas, TX · NCUA charter 24804 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/oak-cliff-christian-24804

Who the members are: federal charter, associational, organized 2008, low-income designated, minority depository institution. 1,564 members of 10,000 potential (15.6% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 22.

**Verdict on the desk:** this could be *stressed*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $7.9M |
| Members | 1,564 (-0.8% YoY) |
| Full-time staff | 4 |
| Net worth | $547,090 |
| Net worth ratio | 6.9% (p2 of band) |
| ROA (annualized) | 1.12% (p74 of band) |
| Total delinquency | 0.00% (p8 of band) |
| Net charge-offs (annualized) | -0.58% (p3 of band) |
| Loans / shares | 87% (p88 of band) |
| Cash / assets | 19.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.98% (p54 of band) |
| Operating expense / assets | 5.30% (p83 of band) |
| Vehicles % of loans | 97% (p99 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 | 0.28% (p76 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 53% |
| Certificates % of member funds | 17% |
| Average share balance | $3,521 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 22% |
| Loans granted per 100 members, annualized | 8% |
| Average loan balance | $18,641 |
| Loans granted, annualized | $3.2M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **capital below 7%** (`cap_critical`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | thin capital, auto monoline |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 3 | net worth falling |  |
| 2016-12 | 2 |  | net worth falling |
| 2017-03 | 3 | margin squeeze |  |
| 2017-06 | 2 |  | margin squeeze |
| 2017-09 | 2 | delinquency 2x band | thin capital |
| 2017-12 | 3 | delinquency rising |  |
| 2018-03 | 3 |  |  |
| 2018-06 | 3 |  |  |
| 2018-09 | 3 |  |  |
| 2018-12 | 4 | thin capital, net worth falling | delinquency rising |
| 2019-03 | 4 | charge-offs p90 | net worth falling |
| 2019-06 | 3 |  | charge-offs p90 |
| 2019-09 | 2 |  | thin capital |
| 2019-12 | 3 | thin capital |  |
| 2020-03 | 5 | net worth falling, losing money |  |
| 2020-06 | 6 | margin squeeze |  |
| 2020-09 | 8 | capital below 7% |  |
| 2020-12 | 7 |  | net worth falling |
| 2021-03 | 7 | delinquency rising | losing money |
| 2021-06 | 9 | net worth falling, losing money |  |
| 2021-09 | 6 |  | margin squeeze, delinquency rising, net worth falling |
| 2021-12 | 3 |  | capital below 7%, losing money |
| 2022-03 | 3 |  |  |
| 2022-06 | 7 | capital below 7%, net worth falling, assets shrinking |  |
| 2022-09 | 8 | losing money, members leaving | assets shrinking |
| 2022-12 | 10 | expense trap, charge-offs p90, assets shrinking | delinquency 2x band |
| 2023-03 | 6 |  | losing money, expense trap, charge-offs p90, assets shrinking |
| 2023-06 | 5 |  | net worth falling |
| 2023-09 | 6 | assets shrinking |  |
| 2023-12 | 5 |  | assets shrinking |
| 2024-03 | 7 | delinquency 2x band, delinquency rising |  |
| 2024-06 | 7 |  |  |
| 2024-09 | 9 | losing money, charge-offs p90, assets shrinking, loans>95% of shares | delinquency 2x band, delinquency rising |
| 2024-12 | 9 | delinquency rising | loans>95% of shares |
| 2025-03 | 6 |  | losing money, charge-offs p90, delinquency rising |
| 2025-06 | 7 | margin squeeze |  |
| 2025-09 | 5 | delinquency rising | capital below 7%, assets shrinking |
| 2025-12 | 5 | capital below 7% | members leaving, delinquency rising |
| 2026-03 | 4 |  | margin squeeze |

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

- 2025-02-19 [Black Owned Credit Unions You Should Know - Shoppe Black](https://news.google.com/rss/articles/CBMiXkFVX3lxTE1rWVo2ZldNTEZ4XzlKSlVoaC0yaXlSMmd5dFI0cmpoU0Z3cG8wR0tvT2EtdkI4U1NfamlsT01adjM4RXlfWFRVWkh0RXVXTDc3SG5TVHIwWWJSUVpuVnc?oc=5) · Shoppe Black
- 2020-07-01 [Black-Owned Banks by State - Investopedia](https://news.google.com/rss/articles/CBMicEFVX3lxTFB5NHlXMVFqNU0wTjdESlM2b0g4OGp5ODQ0cTNtOW83eFBEMTBWbl9kUUp4VTNHX3plLVBlS3J1X3VNMGdhcDVaajZrZTJlX3RuS3FPNjJHWkNBSlRxbExsUFVlbUJfTjhZa3B3TS02Q2M?oc=5) · Investopedia
- 2018-09-11 [Mae Mathis Obituary - Dallas, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMie0FVX3lxTE4zT21qU21aQmp2N2t0SG96M0xTbTVsZ2w3VGQ1VHFoSjBISnI0ZTZFQVAxRTZXZEpEYzh3bjZSRVJXbW1XXzRzdzZtUmJfZ0czWGtaR2ppUHVsWXVGMDVpU3VEQnZ0bWFza1VJSmZFMmdydFZLeGxpVndZRQ?oc=5) · Dignity Memorial
- 2025-12-09 [Tony Evans’ son takes over his father’s Dallas megachurch - The Roys Report](https://news.google.com/rss/articles/CBMihgFBVV95cUxNTWRuVHdNczFsMl9QQlRiNTJlcUNpQmYwdHQ1NVV0QkdaRWZaeTNjMDVQZGlTOVJFT2l4TUc4UWJVRGZ5Yjk1ajgxM2N3UE1RM0VIMmowZVBqVkJZUFQySUNSejZmdF9qZXRPSWdxZWJ5MHU4OFF3NlItS1IwX1hfZG5rTkVRZw?oc=5) · The Roys Report
- 2023-11-06 [All the Black-owned banks in America and why you should support them - Face2Face Africa](https://news.google.com/rss/articles/CBMipwFBVV95cUxPek1SYVR4cm5TclNJT0tEQ1MyZ3JUa1hMQTVPU1JxV3B6TXN2bFFZeHVTaTU5ZmVLWFoxb255R2p0WDE1eTlkd2xfU3J6QmZodDRlVHRJdXhhaVI2NkRoR3NuQk9jNjRuVUJudUdFN0o4bjBlbms2UUQyVTg4eUowenEtcEdxMHFnZzVWRFQ2bmw2RzRVRjNWeGFqQ3pfa1FPZVQ4Nzkxdw?oc=5) · Face2Face Africa
- 2025-08-04 [Elder William Collins Sr. - legacy.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxQSVluTV8wam1FZ0d5MENsWFZBXy1WTGI0dldGQktBa1R6UDhoZUVoTklfWm5QRDlYcGhUYXBXSzIyZndIbnB4U2xhX0JOc08wME1VTklsT2p1VlhWMlpJcEI4X3hzQl9EdHhiZ05hZmE4Z205RHUtcEVvclQ1d2ZsTEJ3?oc=5) · legacy.com
- 2017-08-17 [Wachovia to be Acquired by Wells Fargo for $15.1 Billion? - BankInfoSecurity](https://news.google.com/rss/articles/CBMimAFBVV95cUxNeHVjUm51NTJVczVwUlBOZ0prX1c5SldDZ2ItT1I1WGsyYlZtejA4aUl3T3ZYdGNWLWJjZ1UtVjBaUG5rWV9OazVzdzNDWFM1MTBfRTh3WHhpd04wNFRpakxhMDBDNG9fQmlIUEZpN19HSDJPR0V0T1JrTXZJMktnM0YyOGktdDE4dGo0Mjl1TVZwdzhNeXUzXw?oc=5) · BankInfoSecurity

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24804 (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/36.json (key "24804", 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=24804
- 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