# ALLEGIANCE
OKLAHOMA CITY, OK · NCUA charter 63250 · asset band $200-500M · latest filing 2021-09 · stopped filing after 2021-09 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/allegiance-63250

Who the members are: state charter, organized 1963. 26,257 members of 1,409,896 potential (1.9% of the field); checking penetration 52% (share draft accounts per 100 members); loans per 100 members 37.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $371.0M |
| Members | 26,257 (3.2% YoY) |
| Full-time staff | 87 |
| Net worth | $26.7M |
| Net worth ratio | 7.2% (p5 of band) |
| ROA (annualized) | 0.66% (p46 of band) |
| Total delinquency | 0.24% (p43 of band) |
| Net charge-offs (annualized) | 0.19% (p66 of band) |
| Loans / shares | 85% (p89 of band) |
| Cash / assets | 6.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.54% (p55 of band) |
| Operating expense / assets | 3.41% (p68 of band) |
| Vehicles % of loans | 55% (p84 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 82% |
| Third-party paper % of net worth | 488% (p98 of band) |
| Vehicle delinquency | 0.41% (p68 of band) |
| Vehicle NCO | 0.39% (p68 of band) |
| Repossessed % of vehicle book | 0.13% (p90 of band) |
| Real estate % of loans | 40% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 1% |
| Commercial % of net worth | 5% |
| Core shares % of member funds | 63% |
| Certificates % of member funds | 17% |
| Average share balance | $7,568 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 37% |
| Loans granted per 100 members, annualized | 12% |
| Average loan balance | $29,790 |
| Loans granted, annualized | $143.4M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 4 | thin capital, delinquency 2x band, repo signal, 3rd-party paper>100% NW |  |
| 2016-06 | 4 |  |  |
| 2016-09 | 3 |  | delinquency 2x band |
| 2016-12 | 4 | charge-offs p90 |  |
| 2017-03 | 4 |  |  |
| 2017-06 | 5 | losing money |  |
| 2017-09 | 5 |  |  |
| 2017-12 | 5 |  |  |
| 2018-03 | 3 |  | charge-offs p90, losing money |
| 2018-06 | 6 | charge-offs p90, members leaving, loan book shrinking |  |
| 2018-09 | 7 | delinquency rising |  |
| 2018-12 | 5 | delinquency 2x band | members leaving, loan book shrinking, delinquency rising |
| 2019-03 | 3 |  | charge-offs p90, delinquency 2x band |
| 2019-06 | 2 |  | repo signal |
| 2019-09 | 3 | repo signal |  |
| 2019-12 | 3 |  |  |
| 2020-03 | 4 | net worth falling |  |
| 2020-06 | 3 |  | repo signal |
| 2020-09 | 3 |  |  |
| 2020-12 | 3 |  |  |
| 2021-03 | 4 | margin squeeze |  |
| 2021-06 | 2 |  | net worth falling, margin squeeze |
| 2021-09 | 2 |  |  |

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

- 2026-05-11 [Embark and Allegiance Credit Union launch free fare days every third Friday - journalrecord.com](https://news.google.com/rss/articles/CBMiqAFBVV95cUxPY2MwcEM1QUlWNzRFRTN0V0t2QUFNSVl0NnE2LXlRYzlxRGVhRlFvdVlIWERHM3lQZDRsWW9oa2ItYkRSbTBNRjlVSTladlRIZzA4NmVoNDRjdTZYWVphbTNCSTNGcmlieDFja203elJRbm9SMTNpX3gwZV84MzlDU1NIODhpUlZoOXg0bzdUWFZIT1Y2anlxd2QxMklYUzE2ZVdaWWxUSVQ?oc=5) · journalrecord.com
- 2020-04-17 [Lessons on enduring the pandemic from an Oklahoma City bombing survivor - Thrive Global](https://news.google.com/rss/articles/CBMiqwFBVV95cUxPY3dwVlVDMklzeTVrZUNBc1U3WkxRZTFmZ2Ztb2NXZHVSTTdOQmJlUmFMdDNMSWFlY0FaczdJQ3htWmlOdk1oX0ctcnBzTk9rMjNPaVMwVnFmQnBjUFhHN2xkQTZGbUZPWDlGQkhZLU5qSDZWMzhrS1UySEhEeEJoUlhTcWxDeFBOV2FqQ3J3LXc1RlZtUi11OHdCOE12V2tLNlhGTVoxWWJGaE0?oc=5) · Thrive Global
- 2020-04-26 [Bombing, COVID-19 outbreak bring clarity for credit union exec - The Oklahoman](https://news.google.com/rss/articles/CBMizwFBVV95cUxQcEZWczR3SjFjbmpBRHk4eTdUdTBoeWNkZHUtZ2JDRDZnN1NoLVZtaGR1MnE5QWxBSk9UMDVTTFlRTHNMWkladEZEMHhjbkI3MmhtZ3Y3dXdfczktNUVfZHpqME94Ym1CUVFpQzZBdDZ1N3NTNG9JWlVjZk83aDdHeEdyc2JjdDNhR0g5cFdKV3BTWnV6dnBEVGU4ZU9KVjJ0YTAtNmZNS0tDWnp5TmNwZHVPS19fSFRxcUpKMlp1bUUtOUx3cVFOMzJ3ZzlJams?oc=5) · The Oklahoman
- 2024-12-12 [Alleged group of bank scammers taking thousands from Oklahomans - KFOR](https://news.google.com/rss/articles/CBMilwFBVV95cUxPQi1hMjRmU2Facng1UjlmanBTRkVGVm4yZGk0SkRwOVdNTUU5bXlUYkVFNm5JeG9hU2FjVVNhV2RnVHRaUVkwWHgwYjZEUjBfQmdoVFVQdjdPcU0wb3VQUGN3Z25QUFNrOXVta0dhSTg3Q29lR2FMU2xFOFJIT1VRSmZKR1ZhT2hYcWFVTjNmM1paSEJZRmdr0gGcAUFVX3lxTE1yOWJQMjVhQ1dMdDUzUlpHbVo5THBEeWxSRWRpa3F1YVhkOThWdVZVUnRfbFdnaHlfWFZoQWpQeWdEXzFKeVVELXNMaFdCUHlVaTFtcmNkWDFIbFFZQkdiR2tBLVdtREpiUU9ZT01idlo2RDdiOTExQWtveGx6cm9qRkUxZ2N1UTJhTU5vMWhtVWVfXy0xR0lXTWxCRw?oc=5) · KFOR
- 2023-03-01 [Mexican Consulate in OKC Expected to Be Taking Appointments as Soon as May - Oklahoma Watch](https://news.google.com/rss/articles/CBMisgFBVV95cUxPdzhJbjZSUS01Vld0MGg4V3UwTDlTUmFua05leEVrajVLc1R6VzFtclM0VEpUem1iSUJQa0pieVhkWkFVdWQ3MEF4bENkRVlJa1FXcnNvVlRGYjdxRUQ3Yy02VEw1VHdSb1h2U19YNUZWRUZIaFpHc3F6bTFaeWthTXJIQW0wWnc4YmJYQ052d0RTZHZYYUFrblFhMUI5U1c4eFJjQ3djcm9zM3l2NUpPMDBn?oc=5) · Oklahoma Watch
- 2026-05-28 [Inside Look: EMBARK Expands Fare-Free Transit Program Through New Public-Private Partnership - Metro Magazine](https://news.google.com/rss/articles/CBMiywFBVV95cUxQd3hMNU5DdTBKUTlISktOMG1RdXlzbE4yN19iUXpaVGNtLS1uam04d3VsSWxiaGQyTTVzMFB1UHhyWFNiOXJUdmgtcTdMU285a0dEaW5jVlFwaGI2UjJzc1NycjJnak9Sb2dwVFdTNU5vRzFwSUZpeDJNU3R1N24tTV9odkdpdEt1LUNlNFJybS1DNHZWblBzWm9UbUhveWc2dWF2LWVfeVRjUm91X3lIUDA2emF4VUNxM0xxVVprV1dMNEh4cjFMX2NXWQ?oc=5) · Metro Magazine
- 2025-08-31 [Sharon Koppari Obituary - Oklahoma City, OK - Dignity Memorial](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNdzdkajFZTUVFTXFPeDRhR2FOR2RHdDVtWGFSNG5hcE1mUUFsTzdMcGVfeWlkdklCU0xjem9kV0luRzdVX3FEbktjQ2FiMjhIUWZCbVdkQ1RZajlkdFNTNXJIelhxRnphbnVTUzREaFNjSnp5cVhTMVdQS3dHZEdyTktWS0w0SlJWVnFB?oc=5) · Dignity Memorial
- 2024-12-09 [Janet Claire Epperly Obituary (2024) - Edmond, OK - Crawford Family Funeral & Cremation Service - Edmond - legacy.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxOc1JBQjJ1MGZncExsazF5VkVHWERLS3FKaGI1SkZkTXctT2NwekI4dHVncm9nS2g2OUFkUHNpUnJOeDVFempSNkQteGNXbGZYaWxvdkE2ejREQlg5Q0pNRjBvWXh5MFkyRUlLSlVwb2twNGdUNEg2X3I2RmVmUUw2cXVR?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=63250 (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/18.json (key "63250", 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=63250
- 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