# COMMUNICATION
OKLAHOMA CITY, OK · NCUA charter 3454 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/communication-3454

Who the members are: federal charter, multiple common bond, organized 1939. 132,568 members of 1,444,000 potential (9.2% of the field); checking penetration 41% (share draft accounts per 100 members); loans per 100 members 59.

**Verdict on the desk:** this could be *stressed*. Composite score 5 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $2.34B |
| Members | 132,568 (2.9% YoY) |
| Full-time staff | 297 |
| Net worth | $272.6M |
| Net worth ratio | 11.7% (p66 of band) |
| ROA (annualized) | 0.47% (p28 of band) |
| Total delinquency | 1.05% (p82 of band) |
| Net charge-offs (annualized) | 1.71% (p98 of band) |
| Loans / shares | 80% (p32 of band) |
| Cash / assets | 8.4% |
| Borrowings / assets | 2.14% |
| Net interest margin | 3.00% (p28 of band) |
| Operating expense / assets | 2.37% (p15 of band) |
| Vehicles % of loans | 71% (p99 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 84% |
| Third-party paper % of net worth | 353% (p91 of band) |
| Vehicle delinquency | 0.78% (p65 of band) |
| Vehicle NCO | 2.53% (p92 of band) |
| Repossessed % of vehicle book | 0.48% (p95 of band) |
| Real estate % of loans | 25% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 2% |
| Core shares % of member funds | 27% |
| Certificates % of member funds | 57% |
| Average share balance | $8,591 |
| Participations bought / yr | $510,664 |
| Participations sold / yr | $0 |
| Participations outstanding | $5.3M |
| Loans outstanding per 100 members | 59% |
| Loans granted per 100 members, annualized | 26% |
| Average loan balance | $20,549 |
| Loans granted, annualized | $614.4M |

## Participation posture (from the same filings)

Bought $510,664 and sold $0 in the latest annualized quarter; $5.3M outstanding purchased (2.0% of net worth), $2.5M sold and retained. Sold in 0 and bought in 8 of the last 8 quarters. Shares 6.2% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **charge-offs p90** (`aq_nco_high`)
- **repo signal** (`aq_repo`)
- **3rd-party paper>100% NW** (`str_thirdparty`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 5 | losing money, charge-offs p90, leaning on borrowings, 3rd-party paper>100% NW, auto monoline |  |
| 2016-06 | 4 |  | losing money |
| 2016-09 | 4 |  |  |
| 2016-12 | 5 | repo signal |  |
| 2017-03 | 4 |  | leaning on borrowings |
| 2017-06 | 3 |  | repo signal |
| 2017-09 | 3 |  |  |
| 2017-12 | 3 |  |  |
| 2018-03 | 3 |  |  |
| 2018-06 | 4 | net worth falling |  |
| 2018-09 | 3 |  | net worth falling |
| 2018-12 | 4 | leaning on borrowings |  |
| 2019-03 | 3 |  | leaning on borrowings |
| 2019-06 | 3 |  |  |
| 2019-09 | 2 |  | charge-offs p90 |
| 2019-12 | 3 | net worth falling |  |
| 2020-03 | 6 | losing money, margin squeeze, delinquency rising |  |
| 2020-06 | 4 |  | losing money, delinquency rising |
| 2020-09 | 2 |  | net worth falling, margin squeeze |
| 2020-12 | 2 |  |  |
| 2021-03 | 4 | net worth falling, charge-offs p90 |  |
| 2021-06 | 2 |  | net worth falling, charge-offs p90 |
| 2021-09 | 2 |  |  |
| 2021-12 | 3 | net worth falling |  |
| 2022-03 | 3 |  |  |
| 2022-06 | 4 | delinquency rising, charge-offs p90 | net worth falling |
| 2022-09 | 3 |  | charge-offs p90 |
| 2022-12 | 3 |  |  |
| 2023-03 | 4 | charge-offs p90 |  |
| 2023-06 | 3 |  | delinquency rising |
| 2023-09 | 5 | delinquency rising, repo signal |  |
| 2023-12 | 4 |  | delinquency rising |
| 2024-03 | 6 | net worth falling, delinquency rising |  |
| 2024-06 | 5 |  | net worth falling |
| 2024-09 | 5 |  |  |
| 2024-12 | 4 |  | delinquency rising |
| 2025-03 | 5 | losing money |  |
| 2025-06 | 4 |  | losing money |
| 2025-09 | 4 |  |  |
| 2025-12 | 5 | net worth falling |  |
| 2026-03 | 5 |  |  |

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

- 2025-10-30 [Stephen Lark Named CEO of Oklahoma’s Communication FCU - CUTimes](https://news.google.com/rss/articles/CBMikwFBVV95cUxPUlBkSG9sUUFTX3FieFZvYTlSMHZWZUliVzRUU0RBajlqaF8wUmg2b0hjc0htQS1GWWkzbGpMOGdmeFM0cUJIcFlfQzdtNnRFUWQ4SjVpYldMQ0xGSFd1aUxJQmVPdHhhRGljR3Y4NHk0TnVQbHdOODZoSWhaTGZEenpZcDZSQmtEVUFsWXZnYi1peVU?oc=5) · CUTimes
- 2026-01-08 ["It’s been one hell of a ride": Beacon Drive-In ends 75-year run in Guthrie - KOKH](https://news.google.com/rss/articles/CBMi9AFBVV95cUxQdkl3UnZOSG45aGdyU3dsX2tpNlNhb1RPdW5KQk4zUURQZ1lHOURPUU5YUWJ3WHE5SlNpckVwVV9KSVB2bVJtUEZqcUZxaDJBc1plSmp4UVRUVE12YzUzTmVmV1lESVFjTEhhb2gxRkpyREx6cGRrRE1Cc251ck5hcXhCbXFwQ0Q3bncyemU2b2VqM0FWZVJ1WGVVdnhBbHR4Q1pFUXRMeWVxLWNxT0FOZ0pKN2tVR2xZYkRsam02Yk4xSVlTbzhIR2JqdWtWd243eGFLS3NvT2hVMXZwSFc4TUw1UUlrQ3VjVkNJRG9hNUgtZjNM?oc=5) · KOKH
- 2026-06-10 [Best Certificates of Deposit in Oklahoma for 2026 - moneyrates.com](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE81MGN5b1poaTVsX1hqYmstUndKVmFXTWUxMW1hUHhReFRQOExKdXVEYkpMT2Vtdng4eTJ0Q09taUJRaUdBTVczSHUtY2JPZjMyNlR0WnJTNkI4V3l3bnVFdFV2Vy00UDA?oc=5) · moneyrates.com
- 2026-04-27 [Tinker Federal Credit Union offers disaster relief after Enid tornado - journalrecord.com](https://news.google.com/rss/articles/CBMimgFBVV95cUxOM3M2d2dNc19ZOUlfc2NQZnowLXFoWlplNHUxVGpUcFQzWVBXaTdsQjJGY3did2VENmJnMFk3UWhFSllTX3J1c19mcEVLX2ZWX3d3aF9MY0FJMWJiZE5WaUJzejZNcEs3dnVnWUZTemw5SHZGVkdwVzNWMzkzZWc3T3YycHlxRHVHb1JRMTFndTI3dHkyWS1wY2hn?oc=5) · journalrecord.com
- 2026-07-30 [William L. Counts, Jr. Obituary Jul 30, 2026 - Smith & Kernke Funeral Homes & Crematory](https://news.google.com/rss/articles/CBMia0FVX3lxTFBhOXZZelR5RjQxMng3SFIwVk5haVRMR0dlNkxXbzZGWnhCNTk5NUxVcUpGV0JpTDVTdE5xTmFldmtBUG8tM2UyYmY5RjI2ekVETk44cUhfWjJ0TnE5SUVqNVFNeFhuSFpFczYw?oc=5) · Smith & Kernke Funeral Homes & Crematory
- 2025-12-24 [$2.9M CFCU data breach class action settlement - Top Class Actions](https://news.google.com/rss/articles/CBMiuwFBVV95cUxOcTl0NkV3M2x1S2R5cktnVm90YWRLWGhVOEtzTW9sUUxEU1NjOUxBYlpDb2Y4Yk96WXVxblVoSG9CZXlTbi1sVWZOTjVJeVk4eXljeUY0ZjllSFhDcWQzUlI4bTNLNnVnMVRHYnl2Zkl0bGVCMEh1SDBMNmI0NlZZMGZwbzZUUkF1dmZiVTRCYmp5a2sxN0JyemgtZDI5dTVFQ1RjZmR0bFphdUZKVTJudVljRHl6NHJ2NDg0?oc=5) · Top Class Actions
- 2026-04-27 [Enid tornado recovery effort grows as volunteers aid victims and support crews - koco.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxQRGhaV0UwZ2tjZ0EzalFSMDE1VnBSV2dudWJycnYxVWJkdjBzSzJqNi12VV9DbWI3eXVFWnZ0M0o1c2NGMzQ1SlZ4ZWJMNkdGM25UX3RncVZKUGFRemNTWXlXZUoxU3ZWcmZpUGhNQTJ1Znd5S2ZpcVQxNGVTdk9sc1ZRYw?oc=5) · koco.com
- 2025-07-10 [Communication Federal Credit Union breaks ground on new Edmond area branch - OKC VeloCity](https://news.google.com/rss/articles/CBMivAFBVV95cUxOYksyUk5TN3VlWFVSclNCNk5nMmhUeTBxN3ViVk9uZmY1VVFEdDVpXzVDeWVtVEQ3UzRBODNRbVRabEtEZFVVcVpTX0Z4ZXJCQkIwRm10c0FicmxkdnNLTlRvM1JGX3lNMEJDckhtQkdtS2dCYlBzWU05ZlJsdkRQZGRSQVVEOVpjbVdfekNOaU8wRjBUamJweEpFeFBWaGlXaV91X05IS3ZIcUJwWFFKdDc3dm9fRl9PREtaRQ?oc=5) · OKC VeloCity

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=3454 (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/62.json (key "3454", 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=3454
- 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