# RED CROWN
Tulsa, OK · NCUA charter 2585 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/red-crown-2585

Who the members are: federal charter, community charter, organized 1938, low-income designated. 18,156 members of 453,192 potential (4.0% of the field); checking penetration 53% (share draft accounts per 100 members); loans per 100 members 42.

**Verdict on the desk:** this could be *ordinary*. 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 | $260.0M |
| Members | 18,156 (-2.0% YoY) |
| Full-time staff | 68 |
| Net worth | $27.4M |
| Net worth ratio | 10.5% (p39 of band) |
| ROA (annualized) | 0.12% (p11 of band) |
| Total delinquency | 0.48% (p39 of band) |
| Net charge-offs (annualized) | 0.45% (p56 of band) |
| Loans / shares | 71% (p44 of band) |
| Cash / assets | 14.6% |
| Borrowings / assets | 9.62% |
| Net interest margin | 3.23% (p28 of band) |
| Operating expense / assets | 4.23% (p72 of band) |
| Vehicles % of loans | 49% (p80 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 40% |
| Third-party paper % of net worth | 109% (p61 of band) |
| Vehicle delinquency | 0.37% (p34 of band) |
| Vehicle NCO | 0.99% (p69 of band) |
| Repossessed % of vehicle book | 0.41% (p93 of band) |
| Real estate % of loans | 29% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 71% |
| Core shares % of member funds | 65% |
| Certificates % of member funds | 20% |
| Average share balance | $6,763 |
| Participations bought / yr | $7.7M |
| Participations sold / yr | $0 |
| Participations outstanding | $14.2M |
| Loans outstanding per 100 members | 42% |
| Loans granted per 100 members, annualized | 16% |
| Average loan balance | $19,937 |
| Loans granted, annualized | $68.1M |

## Participation posture (from the same filings)

Bought $7.7M and sold $0 in the latest annualized quarter; $14.2M outstanding purchased (52.0% of net worth), $0 sold and retained. Sold in 0 and bought in 7 of the last 8 quarters. Shares 0.6% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **repo signal** (`aq_repo`)
- **leaning on borrowings** (`str_borrowings`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 4 | thin capital, leaning on borrowings, 3rd-party paper>100% NW, auto monoline |  |
| 2016-06 | 3 |  | leaning on borrowings |
| 2016-09 | 4 | leaning on borrowings |  |
| 2016-12 | 5 | loans>95% of shares |  |
| 2017-03 | 4 |  | loans>95% of shares |
| 2017-06 | 5 | delinquency rising |  |
| 2017-09 | 4 |  | delinquency rising |
| 2017-12 | 4 |  |  |
| 2018-03 | 5 | net worth falling |  |
| 2018-06 | 5 | loans>95% of shares | net worth falling |
| 2018-09 | 6 | delinquency rising |  |
| 2018-12 | 6 |  |  |
| 2019-03 | 4 |  | loans>95% of shares, delinquency rising |
| 2019-06 | 5 | delinquency rising |  |
| 2019-09 | 4 |  | delinquency rising |
| 2019-12 | 4 |  |  |
| 2020-03 | 4 | charge-offs p90 | leaning on borrowings |
| 2020-06 | 4 |  |  |
| 2020-09 | 4 |  |  |
| 2020-12 | 3 |  | auto monoline |
| 2021-03 | 4 | net worth falling |  |
| 2021-06 | 3 |  | net worth falling |
| 2021-09 | 3 |  |  |
| 2021-12 | 4 | members leaving |  |
| 2022-03 | 3 |  | charge-offs p90 |
| 2022-06 | 3 |  |  |
| 2022-09 | 4 | assets shrinking |  |
| 2022-12 | 4 |  |  |
| 2023-03 | 3 |  | assets shrinking |
| 2023-06 | 3 | assets shrinking | thin capital |
| 2023-09 | 4 | leaning on borrowings |  |
| 2023-12 | 3 | delinquency rising | members leaving, assets shrinking |
| 2024-03 | 5 | assets shrinking, members leaving |  |
| 2024-06 | 5 |  |  |
| 2024-09 | 4 |  | assets shrinking |
| 2024-12 | 4 | net worth falling | delinquency rising |
| 2025-03 | 5 | losing money, expense trap | net worth falling |
| 2025-06 | 6 | delinquency 2x band, delinquency rising | expense trap |
| 2025-09 | 6 |  |  |
| 2025-12 | 4 |  | delinquency 2x band, delinquency rising |
| 2026-03 | 4 | net worth falling, repo signal | members leaving, losing money |

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

- 2021-09-03 [The Best Credit Unions to Work For, under $500 million of assets, 2021 - American Banker](https://news.google.com/rss/articles/CBMitwFBVV95cUxON2lPQkZ4WUUzS1FfVE9HaVJ1TEVFNWVoNmVFLTE2WVktdnpRZGZLZlloVDBhYXRDcVdRWkJxczByRTFVam9zcXh6ZmQzYU9oNDNjWU1temktQUk3bEdpdzMzZENwNVFDaHNrdkJ5QzYyT3JnSEFmLW9yblZaR3JKZWFrcUVJc1lLNk0xYVc4SjlCbWlNcG8wemxLWGctWVNFM1VabzVDWmJkd2xkc0N0cUJ3a1VzdHc?oc=5) · American Banker
- 2026-05-25 [Alvin Kenny Faircloth Obituary May 25, 2026 - schaudtfuneralservice.com](https://news.google.com/rss/articles/CBMickFVX3lxTE5rZmg0N01NYkpBOVVBMWx5WXpRRk1BYjZ1NmF1VUZGdFV1TFJvWmxmQi1icTllcm10RmVkdGlPRW8zU3F2bVJ3MjF2YkhCRGJYT0tTSklIQXQzYWp6NWh3U3RlRWRfVjNTZEQ2WndxeGhndw?oc=5) · schaudtfuneralservice.com
- 2026-03-05 [Tara Jonell Mize Obituary Oct 12, 2015 - Moore Funeral Home | Tulsa, OK](https://news.google.com/rss/articles/CBMiXkFVX3lxTE1ic19CU2hwY2VVVDBaMnR6U0lqalBiZVpVSWZfVHlaRGptQ3RSS0tjd3lZVTZDNVlnQm5RejZ5T0pkZmxzNEMtX3lMeEFsTzZqNWF0clV2S2Zhb1VSemc?oc=5) · Moore Funeral Home | Tulsa, OK
- 2025-08-17 [News | Why PNC, Chase, Bank of America are still opening bank branches - costar.com](https://news.google.com/rss/articles/CBMirgFBVV95cUxPckswdHI4WlJtNHZxOGVEZzNsUXFJRE95OVBRVEpRdlFzQjR4aEV6R2NHU2VaVm5oZGl2c2M3T0p3eU9qQkZDZ1F1QktwSm9neUk4VE5xRE1JaXF3eXhTVmluNW02TndRWkZ0Um9wNVBKeFZJX2R4TmtBdzNRaGtxUmQtUlZNSmlOemJka0ZTZzcyaHBIeU9zMTFreXRJWVptdlVtN18xc1hRNXFQd3c?oc=5) · costar.com
- 2012-05-10 [Northern District of Oklahoma - Department of Justice (.gov)](https://news.google.com/rss/articles/CBMicEFVX3lxTE5TQm9qMHBKQW8teF82THlGcVVFaW5VQnA5OWZpSmhETGU0NzFELU1qUjdxQWlsdVhaNC0tY0tSWnI4dlJUQzNidjJwaUhjd21BaTlVTDlsSXVGT2tVY1ZUQXhUYWEyUDA1cnluV1diRzQ?oc=5) · Department of Justice (.gov)
- 2021-08-18 [CPD wins Boots & Badges blood drive - Claremore Daily Progress](https://news.google.com/rss/articles/CBMivwFBVV95cUxNNG5mLXdybGVYZnJuVXdmUjJUMzlOR3NkaFJZdUNfUkVlcUFQUzlZOXFHSHl5NnlscFZKMjFBYVl2aWl2YXUyN3pMRmloaXl3NUJINmtkbHlLSDJOcFhwdXhscWJySjI3Z1Z3VmpCWUJDUlBxM3RNUnZOMlo0NUVMU2lQUVdyT0ZwbWt1NmNBSUI1N3JZWm1UaXI0ZElCWVNzdTRYWW9uUGpmaGdfSnU3MWRZTmVNRXk0cTZha3RUOA?oc=5) · Claremore Daily Progress
- 2026-02-25 [Gerry G. Thames Obituary | Mark Griffith Memorial Funeral | Tulsa, OK - Tribute Archive](https://news.google.com/rss/articles/CBMidEFVX3lxTE1pZ0dGamdQRzQ0YnpuU0VTMkRyVTFZUnJXZXQ1MEJOcHVTUm1GNzRYOEx5NnoxMDAyR01qRFdLQ1J0ZG92dXZSTW5mTEo2b01DMHpJLTdlZHpRaGpLVEtUQUNzaTZQOUl3SXpVbzZ0NnFyZVZU?oc=5) · Tribute Archive
- 2020-01-29 [BASKETBALL: Lady Mustangs suffer close loss to Vinita; boys crush Hornets - Claremore Daily Progress](https://news.google.com/rss/articles/CBMi9AFBVV95cUxNRzdQa1lYY0Vud2RTdDROYlVHTXlqbUk4dWR5SEdrQ0gzdGh5NFBaR2NiRkJ3VHFUNXBNdzh3Sy1LNkZDYjBBSk5xVHJ3WnV5WjA0ZHhuM0llUnhqZlJNMks0cVVFVTVvZElHY1N0V0NQVkY2UktLY0ZXTTVzTkdxd0dRNWtvUW9EOVQtdmVnZTQ5d3VPNzRZWEFiLWJZSWswbFdvLVQzcjU3WFdKUGFvbnR4T0p2TzFsUzYwdFNJOXJlaWVvenBmWnFsLXp2TEtXZ0dyZG5VdGhEODloVGRfMDhHbmQxdzI1ZF96Y1pJNU5pOVF3?oc=5) · Claremore Daily Progress

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=2585 (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/25.json (key "2585", 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=2585
- 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