# OKLAHOMA CENTRAL
Tulsa, OK · NCUA charter 62322 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/oklahoma-central-62322

Who the members are: state charter, organized 1941, low-income designated. 42,970 members of 212,500 potential (20.2% of the field); checking penetration 78% (share draft accounts per 100 members); loans per 100 members 31.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $760.7M |
| Members | 42,970 (0.4% YoY) |
| Full-time staff | 127 |
| Net worth | $104.7M |
| Net worth ratio | 13.8% (p86 of band) |
| ROA (annualized) | 0.42% (p30 of band) |
| Total delinquency | 0.18% (p10 of band) |
| Net charge-offs (annualized) | 0.18% (p19 of band) |
| Loans / shares | 50% (p5 of band) |
| Cash / assets | 5.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.47% (p50 of band) |
| Operating expense / assets | 3.66% (p56 of band) |
| Vehicles % of loans | 36% (p64 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 53% |
| Third-party paper % of net worth | 69% (p42 of band) |
| Vehicle delinquency | 0.30% (p24 of band) |
| Vehicle NCO | 0.48% (p29 of band) |
| Repossessed % of vehicle book | 0.10% (p67 of band) |
| Real estate % of loans | 33% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 57% |
| Core shares % of member funds | 58% |
| Certificates % of member funds | 18% |
| Average share balance | $9,532 |
| Participations bought / yr | $14.5M |
| Participations sold / yr | $0 |
| Participations outstanding | $27.8M |
| Loans outstanding per 100 members | 31% |
| Loans granted per 100 members, annualized | 8% |
| Average loan balance | $24,527 |
| Loans granted, annualized | $107.7M |

## Participation posture (from the same filings)

Bought $14.5M and sold $0 in the latest annualized quarter; $27.8M outstanding purchased (26.6% of net worth), $0 sold and retained. Sold in 0 and bought in 6 of the last 8 quarters. Shares 7.1% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | 3rd-party paper>100% NW |  |
| 2016-12 | 2 | delinquency 2x band |  |
| 2017-03 | 2 | delinquency rising | delinquency 2x band |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 3 | delinquency 2x band, auto monoline | delinquency rising |
| 2018-03 | 3 |  |  |
| 2018-06 | 3 |  |  |
| 2018-09 | 4 | charge-offs p90 |  |
| 2018-12 | 4 |  |  |
| 2019-03 | 5 | net worth falling |  |
| 2019-06 | 3 |  | delinquency 2x band, net worth falling |
| 2019-09 | 4 | delinquency 2x band |  |
| 2019-12 | 3 |  | delinquency 2x band |
| 2020-03 | 3 | losing money | charge-offs p90 |
| 2020-06 | 3 | net worth falling, margin squeeze | auto monoline, losing money |
| 2020-09 | 3 | auto monoline | net worth falling |
| 2020-12 | 3 |  |  |
| 2021-03 | 3 | net worth falling | margin squeeze |
| 2021-06 | 1 |  | auto monoline, net worth falling |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 2 | assets shrinking |  |
| 2023-06 | 2 |  |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 2 | delinquency rising | assets shrinking |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 1 |  | delinquency rising |
| 2024-12 | 0 |  | 3rd-party paper>100% NW |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | net worth falling |  |

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

- 2026-08-26 [Beyond the piggy bank: OCCU teaches kids the realities of money - tulsaworld.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxPanpHcXVsMTU4djBNeDY1aWNFUHdRQ1FBZFlBdHAyUEN5QTZ3VllhY09nbFFsc2hfZk11aGxnWEE5dm15V3o2RXlKejJmd2M0V0V5MWFGa1BpaVFNVERNa2xxbm9UOWRMSzVSM3k5aFVQZmpKRGYtNEtaZDR1MVBJRXNWbEZwb2pGSHZJSUppYzNSZw?oc=5) · tulsaworld.com
- 2026-02-20 [HONORING A LIFE OF SERVICE: City Lights Village home named for Ann Moses - KJRH](https://news.google.com/rss/articles/CBMirAFBVV95cUxNQ2wtRTJKWnBEZUpmTXdrRXhRWlhKQUZhYU1yUG05REItYndtSTlMME44WWh2SDA5NG9sVWRaU2VrcFBoZXZmVlhncUJYRlNaX2JDaVEzRFRaVXVycERIYktzSDJBNngwYzB6R0JlUmcxVTdBQ1BlN0xvN0toRU5ZOWg2c2ZtSzFReV9vaGxvckxFbmQtX2xETWJwaXk2OTdPM2Flem0zYnR4VGJk?oc=5) · KJRH
- 2026-08-25 [Halloween Events in Tulsa for the Whole Family - TulsaKids Magazine](https://news.google.com/rss/articles/CBMia0FVX3lxTFAxM3gwaXFrMnd5RFpfSnhOTV9IdHVLQ1huR1RHWlg0aTZac1lacndTa3ZOX2RlbTBBeDlWQzNRMk1tXzBsS2x0WkRGN0VuQWtuZUJRV0dvZF8tOTJIMlNrVU9OczQ1NmVvOVBB?oc=5) · TulsaKids Magazine
- 2026-03-12 [Tulsa Zoo race offers early bird pricing before March 13 deadline - News On 6](https://news.google.com/rss/articles/CBMirgFBVV95cUxQcVp6YmlKMWVKRzB3emQyMWMxV3VfamZzaXhCZkNSdWhTUGc5UVBTRXlsX21EOW8wbmRvUnMycGhObTZFdzVYcnZHOUZDV2YyTWlCa056X2V1c0pCb2QyT1gyVExXM0E2NkM1TFo2UkJ0b1ZUbzlJZE1aS25lanp1Y0dZSFpVdjRXUGtQQkZDLVNSVE5ycHhHalUwMUNoV0FkOV91dk01ZFRlWjczMXc?oc=5) · News On 6
- 2021-08-25 [Brad A. Scheidt Obituary Aug 25, 2021 - Fitzgerald Funeral Service](https://news.google.com/rss/articles/CBMickFVX3lxTFBwQm43cU4yUmM1TUJPaGJZY3lMMUxmMmlrV2J6LURPckhrSDFBXzBJRG40ZEc0M1k2WFlyNDhhVkI4dnNIWHVGTUpmX0tTQmV5U1hLem5JVzVDdkNNZ3ZPNUlIQk9xejF2eUdreTVFUmF4UQ?oc=5) · Fitzgerald Funeral Service
- 2025-07-09 [Sileithyia Camille Murphy's Obituary, Visitation & Funeral Information - floralhaven.com](https://news.google.com/rss/articles/CBMic0FVX3lxTE8wanJCeHpjM3BEaEotLVI2cDFjVkRUUEUwMmpqOHp2djk0WXlUM3hPZWIzenZMdVpqVmN0Z1otNndxU0Zla3ZrT1g1YzBqaF9ad0JfZi1NYzB4X2E2RUFTRU9IU0JqR0xraS11cnhmSHF5RWs?oc=5) · floralhaven.com
- 2018-09-23 [City National Bank tops rankings of Oklahoma banks - The Oklahoman](https://news.google.com/rss/articles/CBMivgFBVV95cUxPS3M2Z2hON043YXdFTl9yMGZjc1MwWGxucGQ2dW5WSVYwWmhwYXNCNFBlZ0xGTWJPbUF2NlFtdGk5blY1ek5WTmM1eWZUQUdBV0JfRHVZU25NMDcxU0l2N0RhOXE3YTNQVlo5UjU0VUJDWld1N3owSDVaYklUX1MtclRoRF9WMExnNVRpanlTc3kxTXlydkJtOW5BWGhta3l0eXpWVHJsT1VVVXoyYmM2WnlhdXo0TzVqUkRVLXl3?oc=5) · The Oklahoman
- 2025-09-30 [2025 Faces of the 918 - TulsaPeople Magazine](https://news.google.com/rss/articles/CBMivwFBVV95cUxOYXd6bWI0X2E1czVDWVhMTUZjUVN5OHg4SWhSNTFOcWJqRkhJRUxaR3NxdWVkdlRVdmdVVUkydmpfN1ZoUDNBV2lvdjQzNkE3UlkxcmRTcXRBSlo3ZEsxOVNpM2NxUHBLZTg3Nml2ZVRXYjIxZUhJVW9odTI3TFZxV0lwM3RHV0EweFQ0RjBjSlR6N2lqMXNURmFVMU1IX0M2MXBHSlVpaVJaU21SeDhXeFhNeGRMTjVqNnZUZTJPbw?oc=5) · TulsaPeople Magazine

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=62322 (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/50.json (key "62322", 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=62322
- 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