# GROWING OAKS
Goldsby, OK · NCUA charter 24919 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/growing-oaks-24919

Who the members are: federal charter, community charter, organized 2020, low-income designated. 493 members of 1,362,934 potential (0.0% of the field); checking penetration 61% (share draft accounts per 100 members); loans per 100 members 38.

**Verdict on the desk:** this could be *too clean*. 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 | $3.9M |
| Members | 493 (15.7% YoY) |
| Full-time staff | 3 |
| Net worth | $324,256 |
| Net worth ratio | 8.4% (p7 of band) |
| ROA (annualized) | -6.47% (p2 of band) |
| Total delinquency | 0.16% (p30 of band) |
| Net charge-offs (annualized) | 0.31% (p69 of band) |
| Loans / shares | 80% (p81 of band) |
| Cash / assets | 22.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.37% (p69 of band) |
| Operating expense / assets | 12.32% (p99 of band) |
| Vehicles % of loans | 45% (p31 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 | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 46% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 52% |
| Certificates % of member funds | 48% |
| Average share balance | $4,238 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 38% |
| Loans granted per 100 members, annualized | 19% |
| Average loan balance | $14,900 |
| Loans granted, annualized | $1.2M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2020-09 | 0 |  |  |
| 2020-12 | 1 | losing money |  |
| 2021-03 | 3 | net worth falling, expense trap |  |
| 2021-06 | 4 | auto monoline |  |
| 2021-09 | 4 |  |  |
| 2021-12 | 5 | repo signal |  |
| 2022-03 | 7 | delinquency 2x band, charge-offs p90 |  |
| 2022-06 | 8 | thin capital, delinquency rising | charge-offs p90 |
| 2022-09 | 5 | charge-offs p90 | net worth falling, repo signal, delinquency 2x band, thin capital |
| 2022-12 | 5 |  |  |
| 2023-03 | 8 | thin capital, capital below 7%, net worth falling | delinquency rising |
| 2023-06 | 5 |  | capital below 7%, net worth falling |
| 2023-09 | 4 | delinquency rising | losing money, thin capital |
| 2023-12 | 3 | losing money, assets shrinking | auto monoline, charge-offs p90, delinquency rising |
| 2024-03 | 2 |  | losing money |
| 2024-06 | 4 | losing money, repo signal |  |
| 2024-09 | 5 | delinquency 2x band, delinquency rising | repo signal |
| 2024-12 | 3 |  | assets shrinking, losing money |
| 2025-03 | 5 | losing money, margin squeeze |  |
| 2025-06 | 6 | net worth falling, repo signal | losing money |
| 2025-09 | 4 | charge-offs p90 | delinquency 2x band, delinquency rising, net worth falling |
| 2025-12 | 3 | losing money | margin squeeze, repo signal |
| 2026-03 | 4 | thin capital, net worth falling | charge-offs p90 |

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

- nothing found for that search

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24919 (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/23.json (key "24919", 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=24919
- 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