# OKLAHOMA'S
OKLAHOMA CITY, OK · NCUA charter 24953 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/oklahoma-s-24953

Who the members are: federal charter, multiple common bond, organized 1954, low-income designated. 57,921 members of 749,346 potential (7.7% of the field); checking penetration 39% (share draft accounts per 100 members); loans per 100 members 59.

**Verdict on the desk:** this could be *indirect buyer*. 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 | $945.5M |
| Members | 57,921 (5.5% YoY) |
| Full-time staff | 143 |
| Net worth | $117.9M |
| Net worth ratio | 12.5% (p77 of band) |
| ROA (annualized) | 0.72% (p57 of band) |
| Total delinquency | 0.25% (p17 of band) |
| Net charge-offs (annualized) | 0.43% (p51 of band) |
| Loans / shares | 89% (p74 of band) |
| Cash / assets | 3.7% |
| Borrowings / assets | 7.30% |
| Net interest margin | 3.35% (p43 of band) |
| Operating expense / assets | 3.24% (p32 of band) |
| Vehicles % of loans | 56% (p93 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 71% |
| Third-party paper % of net worth | 256% (p83 of band) |
| Vehicle delinquency | 0.18% (p10 of band) |
| Vehicle NCO | 0.68% (p39 of band) |
| Repossessed % of vehicle book | 0.25% (p86 of band) |
| Real estate % of loans | 23% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 91% |
| Core shares % of member funds | 38% |
| Certificates % of member funds | 46% |
| Average share balance | $8,116 |
| Participations bought / yr | $74.5M |
| Participations sold / yr | $0 |
| Participations outstanding | $32.8M |
| Loans outstanding per 100 members | 59% |
| Loans granted per 100 members, annualized | 73% |
| Average loan balance | $19,544 |
| Loans granted, annualized | $414.0M |

## Participation posture (from the same filings)

Bought $74.5M and sold $0 in the latest annualized quarter; $32.8M outstanding purchased (27.8% of net worth), $0 sold and retained. Sold in 0 and bought in 8 of the last 8 quarters. Shares 8.0% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **delinquency rising** (`aq_dq_rising`)
- **leaning on borrowings** (`str_borrowings`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2023-12 | 2 | leaning on borrowings, 3rd-party paper>100% NW |  |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 4 | net worth falling, delinquency rising |  |

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

- 2026-06-10 [Best Certificates of Deposit in Oklahoma for 2026 - moneyrates.com](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE81MGN5b1poaTVsX1hqYmstUndKVmFXTWUxMW1hUHhReFRQOExKdXVEYkpMT2Vtdng4eTJ0Q09taUJRaUdBTVczSHUtY2JPZjMyNlR0WnJTNkI4V3l3bnVFdFV2Vy00UDA?oc=5) · moneyrates.com
- 2026-02-02 [Randolph-Brooks Federal Credit Union announces merger with Oklahoma's True Sky - Yahoo Finance](https://news.google.com/rss/articles/CBMiigFBVV95cUxQVnFZdmIzUnd4aUw4ZlBLUEFjLUU4Ymhsbmt5YWpFeXZKQUxCTjdhZ01WNG1FajI3azhVTXJuYm1CUVJjYjh3TGo5bmNuZTlVcGJwLUYtaVU5VzJ5T1Axa211YUZ5SWZaQk1KSE5nZlktYmphY1YxRWVpQlB1RTFTU3dMT2pvNnlUbGc?oc=5) · Yahoo Finance
- 2025-10-30 [Stephen Lark Named CEO of Oklahoma’s Communication FCU - CUTimes](https://news.google.com/rss/articles/CBMikwFBVV95cUxPUlBkSG9sUUFTX3FieFZvYTlSMHZWZUliVzRUU0RBajlqaF8wUmg2b0hjc0htQS1GWWkzbGpMOGdmeFM0cUJIcFlfQzdtNnRFUWQ4SjVpYldMQ0xGSFd1aUxJQmVPdHhhRGljR3Y4NHk0TnVQbHdOODZoSWhaTGZEenpZcDZSQmtEVUFsWXZnYi1peVU?oc=5) · CUTimes
- 2026-07-30 [The Tigers blew a seven-run lead in Skubal's July 29 start. - tulsaworld.com](https://news.google.com/rss/articles/CBMimgFBVV95cUxPUVBMUGFHTzBjbjNGSWswcXIzdzl1WUUzWW9oa0RteDJfX2tQcWhNeEoyY01ucF9KNjc4dm5xeWNpOE8tZ19FcWNCT2dfczFLYndoTmVSQmZhUnM3OTByRVRQWVdfSTNrS0F2eFpSTk1oaGRaNEVyUzJVXzZ0R25tcXgzalhRY2QyREl6aTUwZGlOQVRZZF9kVnNB?oc=5) · tulsaworld.com
- 2017-12-04 [Name change to broaden market for local credit union - journalrecord.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxOMml5WExIMEoxTW9KS1ZoQUkwWld6LURHV21oMnpTWnN1SlRoR1VuQnJDU3ctQjE4eE9QdEF1RXlXa1VKajVfRzJWdWpHSVVLVFFhVEhSclhDX1RfYTBSb3ZxT09LTmhhNVJLbEQ0N1lIaVNfVWU2eVNpMU1sbldxeW9LWW9zNjJOdUVBc2JOeWVOd0Vl?oc=5) · journalrecord.com
- 2021-03-12 [CEO of Oklahoma's Credit Union to retire after 4 decades in charge - American Banker](https://news.google.com/rss/articles/CBMitAFBVV95cUxOWHNfQ3ptTUdqY1ZfS1pOZUpxRkFodV9sYnMyUWV5RG5WTzItZ0R4bkt4LVdvaGJwNUcwMThtd1Y4ZU94c2M5bHhIaFhBd2xQdXZXb09hWUpENEJZYjducFNBYWpDR05ac3ppb1RCdlR5UXhUcjVteW90SWZYbWVjYlNJSzFLLWdWMnUzY2JydHYzQVYzTFkwMEJ2ZjVvbW52MVdUdWV3X0NBS1c3VzFHdTl2M2E?oc=5) · American Banker
- 2025-01-23 [Jennifer Lown Appointed Chief People Officer at Oklahoma’s Credit Union - hrtoday.in](https://news.google.com/rss/articles/CBMilAFBVV95cUxOdkRmTnFhaUZSUWlod0tFVFUzOTQ5NHpFZlI1clVxUUJkUnpYRWRna1U3QlB2V215NVd6U1lWSG5tTVBJcGtJcThpSnhuUHk2amItZjhyeS0xVVNBd2pEalBWMUVoZkpETEZXb0pfSWhZY2gycDROZ2QxRG9aZ3I3bWxEM0pfTHZXdm1TWktOZXVZdFho?oc=5) · hrtoday.in
- 2026-01-06 [Oklahoma's longest-running drive-in movie theater to close. What to know. - The Oklahoman](https://news.google.com/rss/articles/CBMi1AFBVV95cUxNcm5GWlo3bmlqVzZDbFVQUHR5YTNiR1B1bDdGN1lGVTNpOUxqdVNNN2FvZXdReHhWZ3JEeGxhMU9fUlJKeTUwWVBwa2h2SDlOanQtRnY5aWlMbXRPZE9McHgwWTlYTTdaVXhuazBhU0ZGU1FHMmZ4LVBnN0xwdUctS3NaY0tDOGtKa043S1ZHNkVzaGU3enZsczdRVThHMGNmLUxEUFZJcGMwZFFwaGJpZ2dIdHdlandMXzRQb3ZOeXVnSG1jVGQ2Y1NXVWszTExlbUVFWA?oc=5) · The Oklahoman

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24953 (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/57.json (key "24953", 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=24953
- 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide