# U. S. EMPLOYEES O. C.
OKLAHOMA CITY, OK · NCUA charter 2744 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/u-s-employees-o-c-2744

Who the members are: federal charter, multiple common bond, organized 1938. 15,027 members of 50,000 potential (30.1% of the field); checking penetration 49% (share draft accounts per 100 members); loans per 100 members 72.

**Verdict on the desk:** this could be *auto monoline*. 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 | $210.2M |
| Members | 15,027 (-15.2% YoY) |
| Full-time staff | 54 |
| Net worth | $34.5M |
| Net worth ratio | 16.4% (p93 of band) |
| ROA (annualized) | 0.92% (p66 of band) |
| Total delinquency | 0.30% (p22 of band) |
| Net charge-offs (annualized) | 0.78% (p82 of band) |
| Loans / shares | 78% (p59 of band) |
| Cash / assets | 5.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.65% (p57 of band) |
| Operating expense / assets | 3.49% (p42 of band) |
| Vehicles % of loans | 63% (p92 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 75% |
| Third-party paper % of net worth | 190% (p79 of band) |
| Vehicle delinquency | 0.19% (p15 of band) |
| Vehicle NCO | 0.80% (p61 of band) |
| Repossessed % of vehicle book | 0.41% (p93 of band) |
| Real estate % of loans | 24% |
| Credit cards % of loans | 6% |
| Unsecured % of loans | 9% |
| Commercial % of net worth | 15% |
| Core shares % of member funds | 61% |
| Certificates % of member funds | 26% |
| Average share balance | $7,067 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $5.1M |
| Loans outstanding per 100 members | 72% |
| Loans granted per 100 members, annualized | 18% |
| Average loan balance | $12,808 |
| Loans granted, annualized | $83.7M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $5.1M outstanding purchased (14.7% of net worth), $0 sold and retained. Sold in 0 and bought in 7 of the last 8 quarters. Shares -3.0% year over year.

## Flags firing in the latest filing

- **repo signal** (`aq_repo`)
- **members leaving** (`shrink_members`)
- **3rd-party paper>100% NW** (`str_thirdparty`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | 3rd-party paper>100% NW, auto monoline |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 3 | repo signal |  |
| 2017-03 | 2 |  | repo signal |
| 2017-06 | 4 | net worth falling, repo signal |  |
| 2017-09 | 2 |  | net worth falling, repo signal |
| 2017-12 | 2 |  |  |
| 2018-03 | 3 | repo signal |  |
| 2018-06 | 2 |  | repo signal |
| 2018-09 | 2 |  |  |
| 2018-12 | 3 | repo signal |  |
| 2019-03 | 5 | net worth falling, charge-offs p90 |  |
| 2019-06 | 2 |  | repo signal, net worth falling, charge-offs p90 |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 4 | margin squeeze, charge-offs p90 |  |
| 2020-06 | 4 | net worth falling | margin squeeze |
| 2020-09 | 3 |  | net worth falling |
| 2020-12 | 3 |  |  |
| 2021-03 | 3 | members leaving | charge-offs p90 |
| 2021-06 | 2 |  | members leaving |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 2 |  |  |
| 2022-06 | 3 | delinquency rising |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 2 |  | delinquency rising |
| 2023-03 | 3 | delinquency rising |  |
| 2023-06 | 2 |  | delinquency rising |
| 2023-09 | 2 |  |  |
| 2023-12 | 3 | repo signal |  |
| 2024-03 | 3 | delinquency rising | repo signal |
| 2024-06 | 3 |  |  |
| 2024-09 | 3 | repo signal | delinquency rising |
| 2024-12 | 3 |  |  |
| 2025-03 | 3 |  |  |
| 2025-06 | 3 | assets shrinking | repo signal |
| 2025-09 | 3 | members leaving | assets shrinking |
| 2025-12 | 2 |  | auto monoline |
| 2026-03 | 4 | repo signal, auto monoline |  |

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

- 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
- 2016-02-05 [Apple Pay Now Accepted by 1000 U.S. Issuers - MacRumors](https://news.google.com/rss/articles/CBMicEFVX3lxTE1UZmdpa3Y2N0hNV3lHM0lyM2pkTEZRZVZoa3pPYmhQT0FXd2dRVjNKbGNKdXBfcHNkRnNTXzZkU2Y2NXVUd0FUSjJtMERRNjdHR1JZU0JtZHlfekdrNFVTMWJwMTlIVE56YWZPNi1TSjE?oc=5) · MacRumors
- 2016-02-05 [Apple Pay hits 1,000 US card issuers ahead of planned retail expansions - AppleInsider](https://news.google.com/rss/articles/CBMiswFBVV95cUxOWktOV1BfMjlTTVNEX0cxLVM1RGdDano1b0lIaUdzYmF1ZGwtdXVTaEI3VnVGbjRDMU5mdE5NMFJpMnlTaHNjVlJFamxrYlRSQW8wU0M4OUREWGZna0cwXzJySUgzSllxRzh6My1Wbko0eGVEY2xVV0E0QjYyNURoMmIxbHAzX1k1VkN1SXBXcEVILXJ5dmhIX25CNk1PMVRLeTF1bklQNURNTlhaNWhyVzZEUQ?oc=5) · AppleInsider

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=2744 (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/56.json (key "2744", 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=2744
- 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