# OKLAHOMA EDUCATORS
OKLAHOMA CITY, OK · NCUA charter 61088 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/oklahoma-educators-61088

Who the members are: state charter, organized 1960. 11,433 members of 100,000 potential (11.4% of the field); checking penetration 48% (share draft accounts per 100 members); loans per 100 members 57.

**Verdict on the desk:** this could be *stressed*. Composite score 6 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $315.3M |
| Members | 11,433 (-8.8% YoY) |
| Full-time staff | 65 |
| Net worth | $33.9M |
| Net worth ratio | 10.7% (p42 of band) |
| ROA (annualized) | 0.64% (p45 of band) |
| Total delinquency | 0.58% (p48 of band) |
| Net charge-offs (annualized) | 1.33% (p95 of band) |
| Loans / shares | 63% (p28 of band) |
| Cash / assets | 3.8% |
| Borrowings / assets | 11.96% |
| Net interest margin | 2.88% (p11 of band) |
| Operating expense / assets | 2.42% (p10 of band) |
| Vehicles % of loans | 40% (p64 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 15% |
| Third-party paper % of net worth | 29% (p34 of band) |
| Vehicle delinquency | 0.30% (p26 of band) |
| Vehicle NCO | 3.72% (p98 of band) |
| Repossessed % of vehicle book | 0.54% (p96 of band) |
| Real estate % of loans | 56% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 1% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 26% |
| Certificates % of member funds | 18% |
| Average share balance | $12,558 |
| Participations bought / yr | $31.8M |
| Participations sold / yr | $0 |
| Participations outstanding | $32.3M |
| Loans outstanding per 100 members | 57% |
| Loans granted per 100 members, annualized | 16% |
| Average loan balance | $24,088 |
| Loans granted, annualized | $41.3M |

## Participation posture (from the same filings)

Bought $31.8M and sold $0 in the latest annualized quarter; $32.3M outstanding purchased (95.5% of net worth), $0 sold and retained. Sold in 0 and bought in 4 of the last 8 quarters. Shares 67.6% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **margin squeeze** (`earn_nim_squeeze`)
- **charge-offs p90** (`aq_nco_high`)
- **repo signal** (`aq_repo`)
- **members leaving** (`shrink_members`)
- **leaning on borrowings** (`str_borrowings`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 6 | thin capital, charge-offs p90, repo signal, leaning on borrowings, 3rd-party paper>100% NW, auto monoline |  |
| 2016-06 | 4 |  | thin capital, repo signal |
| 2016-09 | 4 |  |  |
| 2016-12 | 4 |  |  |
| 2017-03 | 3 |  | charge-offs p90 |
| 2017-06 | 3 |  |  |
| 2017-09 | 4 | loans>95% of shares |  |
| 2017-12 | 5 | repo signal |  |
| 2018-03 | 4 | charge-offs p90 | loans>95% of shares, repo signal |
| 2018-06 | 4 |  |  |
| 2018-09 | 4 |  |  |
| 2018-12 | 4 |  |  |
| 2019-03 | 6 | delinquency rising, repo signal |  |
| 2019-06 | 5 |  | leaning on borrowings |
| 2019-09 | 3 |  | delinquency rising, repo signal |
| 2019-12 | 5 | delinquency rising, repo signal |  |
| 2020-03 | 6 | net worth falling, leaning on borrowings | delinquency rising |
| 2020-06 | 6 | members leaving | repo signal |
| 2020-09 | 5 |  | leaning on borrowings |
| 2020-12 | 5 | margin squeeze | members leaving |
| 2021-03 | 5 |  |  |
| 2021-06 | 3 |  | net worth falling, margin squeeze |
| 2021-09 | 4 | expense trap |  |
| 2021-12 | 4 |  |  |
| 2022-03 | 4 | delinquency rising | charge-offs p90 |
| 2022-06 | 4 |  |  |
| 2022-09 | 6 | charge-offs p90, leaning on borrowings |  |
| 2022-12 | 7 | repo signal, members leaving | expense trap |
| 2023-03 | 7 |  |  |
| 2023-06 | 7 |  |  |
| 2023-09 | 5 | loans>95% of shares | 3rd-party paper>100% NW, delinquency rising, repo signal |
| 2023-12 | 7 | repo signal, assets shrinking |  |
| 2024-03 | 7 |  |  |
| 2024-06 | 7 | loan book shrinking | repo signal |
| 2024-09 | 8 | repo signal |  |
| 2024-12 | 6 |  | auto monoline, loan book shrinking |
| 2025-03 | 7 | delinquency rising |  |
| 2025-06 | 4 |  | loans>95% of shares, assets shrinking, delinquency rising |
| 2025-09 | 6 | net worth falling, margin squeeze |  |
| 2025-12 | 6 |  |  |
| 2026-03 | 6 |  |  |

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

- 2016-07-01 [Man claims he has a bomb in Yukon bank robbery - KOKH](https://news.google.com/rss/articles/CBMiW0FVX3lxTE51OFlKcDhUQkl0a0RUd292SGJQRVZ3dzRNYllJT2F0TF80Si1LcjNpbC1rT1YwX1dpUU1hZjFLMGIyVzl1TXNRM0FCSjgxZUhuSmRtTHR5b2JibkU?oc=5) · KOKH
- 2023-08-20 [Public Eye: Banks can waive fees when a customer dies, but do they in Oklahoma? - The Oklahoman](https://news.google.com/rss/articles/CBMisAFBVV95cUxNd0cwXzNRWFN4UjFNUTVIbnlCcmZoUHdPLVFLcFZ4Qi1BTUhhMnRyUGRXcHVaNGdYMGt6SWxwa2d2UzBNOGM1VHZqWGhCSk52dmhUdE9IbGxNMFNocFhjVGlJRUxTWFhaMWpfRk1tQXlvYTB0VXJfTVcyMzdJdTB3VXdUSVNfZUxyV2hsX21aWHZlVzlldG5Oc2JqUXJPLWY4NE5EVmlRTXFGeENTYVZrZw?oc=5) · The Oklahoman
- 2016-07-01 [FBI: Yukon bank robbery suspect is person of interest in Arkansas bank robberies - koco.com](https://news.google.com/rss/articles/CBMitwFBVV95cUxPQ3piVTJ3dUhGTmF0Zm9BNDMta2pGeFJoeGMwWnZxclRYV1hLWkR1RncwUXhmeWg3TjNTNTNjR3BnMjFfbEJONVJRbHJtVEdKcW9zekdpU1g1d3hXT0dPRmozdWZGLXR0ZFgta3l2YWJXOG8xNGMyNTFlNHNTOGMzV3ZzLUZWVDc1akxTS3lGeUdoeUZxYXJxbDA0al9nUFNpRFdnc2t2MW5mTnBNOU95RWd0cWNzSDg?oc=5) · koco.com
- 2021-12-12 [Thomas Young Obituary (2005) - Oklahoma City, OK - Oklahoman - legacy.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxObW94TnFrT1dQVWZGUk5VdVA3Q3NaUGZSV0tkRXNLYXM0VHdmZWxQeHo2dmYxYVQ2V2RiMFNmUVdSazBGLVcxOEdfUlQtNEVZbHQyd0lCZU4yRjlTWFNkTjQyX3Z3ajFGR2lDdGtmRlRHcHl4MDUtYVNtMWlKS3RBUUs1Y3V5dHdCVGlhaXJn?oc=5) · legacy.com
- 2026-06-18 [Courthouse News - Purcell Register](https://news.google.com/rss/articles/CBMicEFVX3lxTE1tSHhnNDJpbC1HQVM0eWVja1hSYV9SaDNVSTRfZ2MxNHNnaFlDQzl6SWswcjNramZyUHlyRXFBaW5FOFNoWjZxdGRFeV9sTHFDUDNGNjhSRmstZUlsME9PLXV3WVN5QTU5WjRER21HR2g?oc=5) · Purcell Register
- 2016-08-01 [FBI links 'flip-flop bandit' to robberies in Arkansas, 3 other states - KY3](https://news.google.com/rss/articles/CBMitAFBVV95cUxQV1NiTVVlV1FSRXdMeGJXVGpVb3FDeFR4aTNJU1JuazQtcjlKanV2NGZkWGRfS21jOEZaRk1EM3l0Y1paZmtUSXYxTnNjMGdMbFV6TnA0dkgzdHFXUTV6UTdYTDNmeEYtdTVGVG53VDZ2VDd6YjdJTEtkVVY4RkhoOGlYSkNIYUstc1lYRXM1WUZ5OEtWeDB6enBBQng5X2NzSWJsYkdkOGRmaV91SGV1TXh5UVI?oc=5) · KY3
- 2011-01-06 [Shad Sanders Obituary - Bethany, OK - Dignity Memorial](https://news.google.com/rss/articles/CBMif0FVX3lxTE5TUnpBWnUtR3V2WkR6TGdjMkRyeHZuQ3p5MzVyOHp3SmIyallkTXdvVGtEREhZSGl0NWViOUpCQk9KanVZRkN3VzlQQmM0cmR0UkNiWHVReXZjMHFwbWg4cEN0bFNoQWJNMk50SGw5XzBEc0RXYlhkeGFWZ3Fxdjg?oc=5) · Dignity Memorial
- 2012-04-10 [Twana Davidson Obituary (2012) - Oklahoma City, OK - Oklahoman - legacy.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxNOVVIU2EzeGRva1Ita1FLZ1NqVTVBX2dRbUlEdXVpZmdFQXBwTURLOWRnUDRyU29tTTZUQWxNT3JidHhzclg1OTNiTUliT0NwSWg3V2dBVjNGS0JXajVzcE54ekU1V0pqMTNPSWJEU2lXRzg3RmJDRE5HNGxqLUhReWVxdDUwaUF2ZGtqVFd3Wkw?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=61088 (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/32.json (key "61088", 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=61088
- 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