# CREDIT UNION ONE OF OKLAHOMA
Oklahoma City, OK · NCUA charter 64850 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/credit-union-one-of-oklahoma-64850

Who the members are: state charter, organized 1949. 3,427 members of 10,281 potential (33.3% of the field); checking penetration 43% (share draft accounts per 100 members); loans per 100 members 407.

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

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $39.4M |
| Members | 3,427 (-12.7% YoY) |
| Full-time staff | 12 |
| Net worth | $6.0M |
| Net worth ratio | 15.1% (p51 of band) |
| ROA (annualized) | 0.39% (p41 of band) |
| Total delinquency | 1.78% (p75 of band) |
| Net charge-offs (annualized) | 1.16% (p88 of band) |
| Loans / shares | 86% (p88 of band) |
| Cash / assets | 18.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 5.25% (p90 of band) |
| Operating expense / assets | 6.18% (p90 of band) |
| Vehicles % of loans | 66% (p58 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 25% |
| Third-party paper % of net worth | 179% (p98 of band) |
| Vehicle delinquency | 0.71% (p58 of band) |
| Vehicle NCO | 1.83% (p92 of band) |
| Repossessed % of vehicle book | 0.32% (p96 of band) |
| Real estate % of loans | 21% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 91% |
| Certificates % of member funds | 7% |
| Average share balance | $6,087 |
| Participations bought / yr | $4.0M |
| Participations sold / yr | $0 |
| Participations outstanding | $8.3M |
| Loans outstanding per 100 members | 407% |
| Loans granted per 100 members, annualized | 451% |
| Average loan balance | $2,050 |
| Loans granted, annualized | $11.8M |

## Participation posture (from the same filings)

Bought $4.0M and sold $0 in the latest annualized quarter; $8.3M outstanding purchased (140.1% of net worth), $0 sold and retained. Sold in 0 and bought in 8 of the last 8 quarters. Shares -7.4% year over year.

## Flags firing in the latest filing

- **expense trap** (`earn_opex`)
- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)
- **assets shrinking** (`shrink_assets`)
- **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 | 3 | repo signal, 3rd-party paper>100% NW, auto monoline |  |
| 2016-06 | 2 |  | repo signal |
| 2016-09 | 2 |  |  |
| 2016-12 | 3 | repo signal |  |
| 2017-03 | 4 | delinquency rising, members leaving | repo signal |
| 2017-06 | 3 |  | members leaving |
| 2017-09 | 4 | repo signal |  |
| 2017-12 | 4 |  |  |
| 2018-03 | 3 |  | delinquency rising |
| 2018-06 | 4 | assets shrinking |  |
| 2018-09 | 4 |  |  |
| 2018-12 | 4 |  |  |
| 2019-03 | 4 | delinquency rising | assets shrinking |
| 2019-06 | 4 |  |  |
| 2019-09 | 5 | members leaving, loan book shrinking | delinquency rising |
| 2019-12 | 6 | assets shrinking |  |
| 2020-03 | 7 | losing money |  |
| 2020-06 | 9 | net worth falling, margin squeeze, delinquency 2x band | assets shrinking |
| 2020-09 | 10 | expense trap |  |
| 2020-12 | 9 |  | expense trap |
| 2021-03 | 9 | charge-offs p90 | losing money |
| 2021-06 | 8 |  | net worth falling |
| 2021-09 | 6 |  | repo signal, loan book shrinking |
| 2021-12 | 5 | net worth falling | margin squeeze, charge-offs p90 |
| 2022-03 | 6 | charge-offs p90, repo signal | net worth falling |
| 2022-06 | 5 |  | charge-offs p90 |
| 2022-09 | 3 |  | delinquency 2x band, repo signal |
| 2022-12 | 5 | repo signal, assets shrinking |  |
| 2023-03 | 7 | losing money, charge-offs p90 |  |
| 2023-06 | 6 |  | charge-offs p90 |
| 2023-09 | 5 |  | assets shrinking |
| 2023-12 | 5 | delinquency rising | losing money |
| 2024-03 | 5 | assets shrinking | delinquency rising |
| 2024-06 | 6 | delinquency rising |  |
| 2024-09 | 4 |  | repo signal, delinquency rising |
| 2024-12 | 6 | repo signal, loan book shrinking |  |
| 2025-03 | 5 |  | loan book shrinking |
| 2025-06 | 3 |  | assets shrinking, repo signal |
| 2025-09 | 5 | repo signal, assets shrinking |  |
| 2025-12 | 4 |  | assets shrinking |
| 2026-03 | 7 | expense trap, delinquency 2x band, delinquency rising, assets shrinking | repo signal |

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

- 2025-06-25 [Katrina Avers - City of OKC (.gov)](https://news.google.com/rss/articles/CBMid0FVX3lxTE0yRkdhN0pFM09hQlRpcWU0d1lOSU82ZjZhdzBQTEtxQmhYM0JsNW94VjhXeW9fVV9DczVUMlZfTklnSnp6cHFfaTNOaVlGMzZtN0w3V0JibHgzY25nY0Z1MG5Ed1RpczNrWlpkcGxCcnlucXFSU3hr?oc=5) · City of OKC (.gov)
- 2025-08-19 [Brothers Osborne to headline 3rd annual CU in the Park free concert in OKC - News 9](https://news.google.com/rss/articles/CBMixgFBVV95cUxNb3JFNDBidmN4cHFxcmduY2R0dHJqbWh0NkpLaFdWRzJxVjRxQWlXSUJpaTBOZlo2OERLX0lJQXhiYkRIYWR6TkQ0LS11WF8zRnhJNzFieXc3Y0ZYV1ZreUh6Q09jNm85bDUyak5SeFJlc2dtcEM2ODU5S1gtc3pmY0t1U09maGU4aVdhTjB5aU96Yy1ZM0djTHhxYWtzbV9NX3BnaW5TX09zWW1sX3F2TWV4Q282aFFzNF82YzJiT0NUYkpTQVE?oc=5) · News 9
- 2025-03-28 [2025 TulsaPeople Legacy Businesses - TulsaPeople Magazine](https://news.google.com/rss/articles/CBMisgFBVV95cUxPU0IyR1Q4SW0yQzk5enR1Z0ZTdk5KSy12NFF1eHdickVqc044WUl2UHdkUHMyU1NrU29vRVBhVENsazdDTDlnSEdIMVpaYUNGYVJ2N2l1M0FLN204NDlJS3drZTFJRWZrQU1hUmZOTzVmYXZlbC1OWmZjTTdDWVppNExXMEI4ZUpuRVdOMjY5eHVHYmpnTWtuQ3VfVmh4NDcwRjBnbnc1SXVJMGVYQm94anN3?oc=5) · TulsaPeople Magazine
- 2019-12-23 [Police investigate bank robbery in Oklahoma City - koco.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxPejJOU1AyRXdHaGYtWklJQzhGai1xcGpMcE9uV1RNVTdDTFFzckFwTTZwN3RQMW81VGd5U0pZY0w4d05DM2JDT2c3T0JfTXlKQnNLQmI3UXlvTVo4cERSSEF3ZE4tVDFCejNSQWJ3ZmdFd09kYWszSFVZZlhmeHFsSGJESmpBZnVIYVdXaFBZcw?oc=5) · koco.com
- 2012-08-16 [Communication Federal Credit Union having an Open House this Saturday - Edmond Life & Leisure](https://news.google.com/rss/articles/CBMitgFBVV95cUxNS1hpRkNQbHRBNEZVamV5VkszWTFxcFl2aERWcWRYazlTc3BaNnBlTzU1ZXpRNW1tWUJiV1o2UzhiTzVENVlsbXJnYVNUN2pRaHFOMEVVamc4bmZ4NVZ0YlpfcERzemcxM2N4dWQ5SXhGeWY0VjRhOW55bGpzNTJyOG8tWDY5VmdSQS0xaGltLXptR1ZVeHhOZlFFcnpyQ3Zhb18tNUJlTWpQaFlVdTI0ZzNzUzJMdw?oc=5) · Edmond Life &amp; Leisure
- 2025-09-25 [CU In The Park: Brothers Osbourne set to rock the stage at Scissortail Park - News 9](https://news.google.com/rss/articles/CBMipAFBVV95cUxORkphNDZXWGNxM0FmMktkc1JOaGJCZnlESF94dTE3em8wVnJncXEwWGFYOWRQSm5COV83c2U1WHpnMjNyUGVxdUpid0N0TDVJMkl1czRkLXNPNzVBbFIzeFk5WmViOG56TXdKSXhFcFhyU3pFOG5pM19SeEdRT2RHdnN1dFZoS1FrMnRVbUZJU2hlVHN1QkJVTFp6ZkFlU2o0Q0FsTg?oc=5) · News 9
- 2025-09-30 [2025 Faces of the 918 - TulsaPeople Magazine](https://news.google.com/rss/articles/CBMivwFBVV95cUxOYXd6bWI0X2E1czVDWVhMTUZjUVN5OHg4SWhSNTFOcWJqRkhJRUxaR3NxdWVkdlRVdmdVVUkydmpfN1ZoUDNBV2lvdjQzNkE3UlkxcmRTcXRBSlo3ZEsxOVNpM2NxUHBLZTg3Nml2ZVRXYjIxZUhJVW9odTI3TFZxV0lwM3RHV0EweFQ0RjBjSlR6N2lqMXNURmFVMU1IX0M2MXBHSlVpaVJaU21SeDhXeFhNeGRMTjVqNnZUZTJPbw?oc=5) · TulsaPeople Magazine
- 2010-09-26 [Frank Kennon Obituary (2010) - Oklahoma City, OK - Oklahoman - legacy.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxOLVhlT3JsQWJZb0FpWnlNY20yZG1CSzZCbjU3SFBnMDZ6Sm93TWxTaVp2R3BuVmpCVURZS3ZodVdoa1pDSUdOZ21oY3Nqb0F4Zk43WVBBbEx3TEhGS0M4bGxvaFlzM3NzMXlVcXR2ejJDUERIV0xuQ0JtTldUTk83OXN1RkcyN3FrOC02NUNR?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=64850 (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 "64850", 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=64850
- 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