# WEOKIE
Oklahoma City, OK · NCUA charter 24899 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/weokie-24899

Who the members are: federal charter, community charter, organized 1969, low-income designated. 68,969 members of 250,000 potential (27.6% of the field); checking penetration 56% (share draft accounts per 100 members); loans per 100 members 43.

**Verdict on the desk:** this could be *liquidity-tight*. 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 | $1.49B |
| Members | 68,969 (8.3% YoY) |
| Full-time staff | 235 |
| Net worth | $198.3M |
| Net worth ratio | 13.3% (p85 of band) |
| ROA (annualized) | 0.78% (p58 of band) |
| Total delinquency | 0.63% (p51 of band) |
| Net charge-offs (annualized) | 0.44% (p41 of band) |
| Loans / shares | 98% (p84 of band) |
| Cash / assets | 5.1% |
| Borrowings / assets | 13.86% |
| Net interest margin | 2.87% (p20 of band) |
| Operating expense / assets | 3.03% (p39 of band) |
| Vehicles % of loans | 29% (p56 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 50% |
| Third-party paper % of net worth | 98% (p39 of band) |
| Vehicle delinquency | 0.48% (p39 of band) |
| Vehicle NCO | 1.30% (p66 of band) |
| Repossessed % of vehicle book | 0.50% (p96 of band) |
| Real estate % of loans | 39% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 150% |
| Core shares % of member funds | 44% |
| Certificates % of member funds | 35% |
| Average share balance | $8,586 |
| Participations bought / yr | $1.4M |
| Participations sold / yr | $16.0M |
| Participations outstanding | $40.1M |
| Loans outstanding per 100 members | 43% |
| Loans granted per 100 members, annualized | 11% |
| Average loan balance | $35,640 |
| Loans granted, annualized | $386.2M |

## Participation posture (from the same filings)

Bought $1.4M and sold $16.0M in the latest annualized quarter; $40.1M outstanding purchased (20.2% of net worth), $10.3M sold and retained. Sold in 1 and bought in 8 of the last 8 quarters. Shares 8.3% year over year.

## Flags firing in the latest filing

- **repo signal** (`aq_repo`)
- **loans>95% of shares** (`str_ltos`)
- **leaning on borrowings** (`str_borrowings`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2017-12 | 1 | leaning on borrowings |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | delinquency rising |  |
| 2020-06 | 1 |  | delinquency rising |
| 2020-09 | 3 | net worth falling, delinquency rising |  |
| 2020-12 | 2 |  | delinquency rising |
| 2021-03 | 2 |  |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 1 |  | net worth falling |
| 2022-06 | 3 | loans>95% of shares, 3rd-party paper>100% NW |  |
| 2022-09 | 4 | net worth falling |  |
| 2022-12 | 5 | delinquency rising |  |
| 2023-03 | 3 |  | net worth falling, delinquency rising |
| 2023-06 | 4 | delinquency rising |  |
| 2023-09 | 4 |  |  |
| 2023-12 | 3 |  | delinquency rising |
| 2024-03 | 4 | delinquency rising |  |
| 2024-06 | 5 | assets shrinking |  |
| 2024-09 | 5 |  |  |
| 2024-12 | 5 | repo signal | 3rd-party paper>100% NW |
| 2025-03 | 3 |  | delinquency rising, repo signal |
| 2025-06 | 2 |  | assets shrinking |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 3 | repo signal |  |

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

- 2022-03-16 [WEOKIE Federal Credit Union Named One of America’s 2021 Best In-State Credit Unions by Forbes - CUInsight](https://news.google.com/rss/articles/CBMizgFBVV95cUxNX0M1QXJCNENscHdSeEM2dXZsajUwdDFTeW1iRVFCaWZZV1B0c050Yzd2Mktya0QwQW51WWJoT0NvWVJmNG9xblZNdTExQmQ1bE4wLTYteDJUeklPWklULXVzUUs1bG94LXVBQng3ZzlPMXhEVHR1cUtqZ3ZvUGJjN2FhSFB6TFM4T3VoR3RlZ0hwbVFJTXYzS3lsVEdyZ2xjUzg5Z2UyUW5yOHFsNGZ2RXo4TWdUbDJPaXFrbVlndkRJYUFjNDBkdlVlUjdhUQ?oc=5) · CUInsight
- 2017-12-20 [Federal charter brings name change to Weokie Credit Union - journalrecord.com](https://news.google.com/rss/articles/CBMimwFBVV95cUxPdGNpRUVyeHlrSi01MzEwZTFnSkhLZ3oxZzQ4V194elhFTjNpQTl1dHdDRWFjTTFPa20tWGpWaEFON2hSc2RyV244VlhPR21qbk9PTno3M3ZDdGRDRHNHLVhJazVRUjdpdUFVTGFOYkhrS3dVYWV1QXRIcXpIUW9mMUE5QzZIWElGRXNpUm9OSTZZalVwZGI5al9Law?oc=5) · journalrecord.com
- 2025-04-08 [America's Best Regional Banks and Credit Unions 2025 - Oklahoma - Newsweek Rankings](https://news.google.com/rss/articles/CBMijwFBVV95cUxPWFY3Tl9CSk44VG93QnI4Q2JMOV9BUTExTXVSV081cEVjdXdjeENIcF9ITk15UjNpR0dtdVlRd2hnSWdydWlLZEtjSEpWZjFHM19fTV9ReVM5M0txdzRLTHpjamJwSzNsdVhJSFp1aGIyejNhUjZtN1JoVGhOVDROVmxzY0c5MlBWZ2ZMRmpoZw?oc=5) · Newsweek Rankings
- 2026-06-10 [Best Certificates of Deposit in Oklahoma for 2026 - MoneyRates](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE81MGN5b1poaTVsX1hqYmstUndKVmFXTWUxMW1hUHhReFRQOExKdXVEYkpMT2Vtdng4eTJ0Q09taUJRaUdBTVczSHUtY2JPZjMyNlR0WnJTNkI4V3l3bnVFdFV2Vy00UDA?oc=5) · MoneyRates
- 2026-04-11 [Donnie Ball Obituary - Oklahoma City, OK - Dignity Memorial](https://news.google.com/rss/articles/CBMihwFBVV95cUxNWEc1YUJmTnc4UXhGVXJGeHhvYzhBNmJqUjZwWW1zNmVEejl2Z0h6bXJHbUdja3Z2WTY1X1JuRnhoeTdNT1lOS2xiUkR6bGh3N0tCeWNJc0lDVGZfbzUwbm90S1BJclIxQUNxeXZXVlp1YS1UclJ0YWxiT2JvVHdqSG1OVEsxWWs?oc=5) · Dignity Memorial
- 2024-02-04 [Kelly Hodgson Obituary (2016) - Oklahoma City, OK - John M. Ireland & Son Funeral Home and Chapel - Moore - legacy.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxPVTlEbFM3WUZCTXlKQWFLanAyb1FuX29TN0Y4clRZVzlkcXFZZ2pBd3pqeGNJUDJVYXQtTHd0ZmpGY0E3LWR0cTQyeGU0LUplRTE0VDRtNUVIQW83aUE2WG5iMTBWVkluWHo2eENfN1Vwam5haHdkNkZjVnlpdDY4Q29n?oc=5) · legacy.com
- 2025-01-02 [Lillene Murphy Obituary - Oklahoma City, OK - Dignity Memorial](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNOG5rc1BNWnd5SnpoS19sM1pmZjNFV0hxbmdpVkFIbTBySjF2ZTVPNVhsOXhIcXBwTG9GSDh5WnZWMnlGdVMzWDY5RkRiTVhFNmsxNXNZNm03Y3VOVzZxOVQ1bnBvWVZjQldGZENldHlQMV92QktFZ0NaQlRtakJnekRtYk5QdlkxdHZn?oc=5) · Dignity Memorial
- 2021-08-11 [Mary Dawson Obituary - Del City, OK - Dignity Memorial](https://news.google.com/rss/articles/CBMigAFBVV95cUxOTHU3eWRhVHJkemRfUjItZ2hkNVhSaVdxdkZUbEVwT05saE5JSWNhcWJULWRXYlJBRjJTQmhUUWI2aFQyakw3Z1pCZUZmR0xKNmJ1UHA2V3NmNU41MVQ1cjhBUVRDREM2cG5TVm9BSkJiQmNkYkFLVnVOME5zSkVZWA?oc=5) · Dignity Memorial

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24899 (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/3.json (key "24899", 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=24899
- 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