# FRATERNAL ORDER OF POLICE
Tulsa, OK · NCUA charter 24901 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/fraternal-order-of-police-24901

Who the members are: federal charter, government (single sponsor), organized 1941. 3,301 members of 4,500 potential (73.4% of the field); checking penetration 43% (share draft accounts per 100 members); loans per 100 members 58.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $56.5M |
| Members | 3,301 (-0.2% YoY) |
| Full-time staff | 7 |
| Net worth | $6.9M |
| Net worth ratio | 12.2% (p43 of band) |
| ROA (annualized) | 1.17% (p74 of band) |
| Total delinquency | 0.48% (p42 of band) |
| Net charge-offs (annualized) | 0.03% (p22 of band) |
| Loans / shares | 46% (p24 of band) |
| Cash / assets | 27.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.09% (p21 of band) |
| Operating expense / assets | 2.25% (p10 of band) |
| Vehicles % of loans | 58% (p74 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p25 of band) |
| Vehicle delinquency | 0.10% (p17 of band) |
| Vehicle NCO | 0.00% (p17 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 18% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 77% |
| Certificates % of member funds | 16% |
| Average share balance | $9,384 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 58% |
| Loans granted per 100 members, annualized | 9% |
| Average loan balance | $12,004 |
| Loans granted, annualized | $8.5M |

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2018-03 | 1 | auto monoline |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 2 | net worth falling |  |
| 2019-09 | 2 | delinquency rising | net worth falling |
| 2019-12 | 1 |  | delinquency rising |
| 2020-03 | 1 |  |  |
| 2020-06 | 3 | net worth falling, delinquency rising |  |
| 2020-09 | 1 |  | net worth falling, delinquency rising |
| 2020-12 | 1 |  |  |
| 2021-03 | 3 | net worth falling, delinquency rising |  |
| 2021-06 | 1 |  | net worth falling, delinquency rising |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | members leaving |  |
| 2022-06 | 3 | margin squeeze |  |
| 2022-09 | 2 |  | margin squeeze |
| 2022-12 | 3 | delinquency rising |  |
| 2023-03 | 1 |  | members leaving, delinquency rising |
| 2023-06 | 2 | delinquency rising |  |
| 2023-09 | 3 | assets shrinking |  |
| 2023-12 | 1 |  | delinquency rising, assets shrinking |
| 2024-03 | 2 | delinquency rising |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 3 | members leaving |  |
| 2024-12 | 3 | loan book shrinking | delinquency rising |
| 2025-03 | 4 | net worth falling |  |
| 2025-06 | 2 |  | loan book shrinking, net worth falling |
| 2025-09 | 1 |  | members leaving |
| 2025-12 | 2 | delinquency rising |  |
| 2026-03 | 1 |  | auto monoline |

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

- 2020-04-13 [Obituary, Visitation & Funeral Information | Joe R. Perkins - floralhaven.com](https://news.google.com/rss/articles/CBMibkFVX3lxTE1jMnhxZ2hTMFYwV3VkMHNqZnJENGprYUxueFBUal9WeGVFRnJ2el9Rd3VrY01hcW82YnJaOURVSlhjN2VscUxiWklnV0dHYnA2dERKNEFxTkczTzA2bUlxME14VVNObkRvdTNwZVR3?oc=5) · floralhaven.com
- 2018-11-02 [Kenneth A. Nash Obituary Nov 2, 2018 - Smith & Kernke Funeral Homes & Crematory](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE0wQmxZWGpLa2oyRDFzQXJoVXRaVjNsT19lbDFvYW9BLTdOdzU4M3lPQnVsZ0V3MDZDQm9qWU5GRnFOdE9GTHBoT3ZpNlRxSFVfS3E4UWdBcm12UXpGLURwellqalg4eU0?oc=5) · Smith & Kernke Funeral Homes & Crematory
- 2026-08-23 [Charity walks and runs, dinners, golf outing, bourbon tasting planned - Akron Beacon Journal](https://news.google.com/rss/articles/CBMi8AFBVV95cUxPckpZVzZQQ1NoYTdPUlo0dW13MjJHRkEwN21MVDFLUkxOajFjenFuNE0xRHRZdHVFbHpOeDNERnN1SjJ6YVdKZEFadEEwNlpPLV9yRFdydHRXMjgwMk5DWE9FUll1c0Z0RnB4RmlxdWMyY2RoemNEQXVOalo0eHgxbHZVLXY3aG9ITFk3Y3lvOERMODQzQkNoZ0NqbU1KclBPMXpIRWJ2R00zbXFJaEc2c21LY1VkX1hFVHdYMDl2Qmtld3pEYkNIeElhNUUyY3Z6NnhhcFVYdngxaGl6UmNzeHAwMm0xMXhZSi0yb0RoWGQ?oc=5) · Akron Beacon Journal
- 2017-04-04 [Cincinnati police sergeant's home destroyed by fire - WLWT](https://news.google.com/rss/articles/CBMikAFBVV95cUxNSUgwaTRkLVlPUy1jUUd3VVc4YlU0YmU2ckxRYVNuMTZQTTZjRDEtalVCWnI5Qm1iSlFFVFpya3BvNGRUOFVDNVppVEc2dXFRUTlZNGlXTF9jbFR5eFRkM0JMRHVIaTBDWkltWnFpb0dtd1IwZXZhRk1RZXlLRUF6LTkzN2JyMTdWcXZPbzRRc0Y?oc=5) · WLWT
- 2024-06-27 [Red White & Blue Fest - The Newcastle Pacer](https://news.google.com/rss/articles/CBMicEFVX3lxTE5IUVZKSWtRNDdVMU1Eb25OM0JXSXk0TXVQRzRjS1RTV0dycFJ6cTE5b3g1dEtycGktaDJUNW1xUTdyd19TelBBZDc1enVZTjluZ0hmbXZXQjlsS2tDNTVKTk5VUGthR09GVXo0U2kzcTQ?oc=5) · The Newcastle Pacer
- 2020-04-03 [Coronavirus in Oklahoma: Acts of Kindness - The Oklahoman](https://news.google.com/rss/articles/CBMitAFBVV95cUxPUXl1YWdnQW9TalZWS2tlOUgxMm9zWW1CalhQeEVZNW1RYm9kbk9rekNjYUpRdjVWSzNyTk0yejIwSzJ3RWthSTFPZXlPNmIyUlFKRmJtNDlNZFAtc0MtbUZyWXNMZTFjRFAzaEVlZGxrOUJXa1hmVWFaZ3hGeHV3RENscU9qTjZtczNkLWhPWDhLcnFtalRoNERBOWhrRFBJaTNaTHhPUjE1dmNXY25mOHp3V3I?oc=5) · The Oklahoman
- 2017-08-17 [Heartland Data Breach Update: Thousands of Institutions Impacted - BankInfoSecurity](https://news.google.com/rss/articles/CBMiogFBVV95cUxNWVEyRWhPeVlpYXZaX19sN1VhVk5zZ1RJb2xUMlNFUmhWdnU2c1NxVXRJcVBxYTJXM0ptVjFreVRaQjJQNkdoQmFKWmQxU3ZNMU5ROGRsbVVreFdIeUhHMmEwSjdnaHVoaDd3ZmhWQmdDX1huU3UyeFlYakxsMW1DTEJEMmVsR3BLelpjd0xENjB1eFBqOXFFcFdtc1lqVE44YlE?oc=5) · BankInfoSecurity
- 2018-03-05 [Julianna Lapadat Obituary - Indianapolis, IN - Dignity Memorial](https://news.google.com/rss/articles/CBMiiwFBVV95cUxOOVdGS1Vta090RHFXODBlWC0tRkJnUUNKZklWejhKbHNFVkx0WDd4dXFPdE8zM29maU5tTVNHS19jZUt0WFZ0WVFQZUVqd19DUmc4WTFseTBaV1d1d2Nfb3UyTG1QVkp6SkRzUFkzM2xoV3dPTXEtWm5qM05RUmtsUnF0aE0xcnZHcTVV?oc=5) · Dignity Memorial

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24901 (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/5.json (key "24901", 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=24901
- 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