# BISON
Shawnee, OK · NCUA charter 7149 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/bison-7149

Who the members are: federal charter, community charter, organized 1951, low-income designated. 3,791 members of 69,442 potential (5.5% of the field); checking penetration 58% (share draft accounts per 100 members); loans per 100 members 32.

**Verdict on the desk:** this could be *quiet fade*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $43.3M |
| Members | 3,791 (-4.4% YoY) |
| Full-time staff | 9 |
| Net worth | $6.4M |
| Net worth ratio | 14.8% (p49 of band) |
| ROA (annualized) | 0.61% (p52 of band) |
| Total delinquency | 0.55% (p46 of band) |
| Net charge-offs (annualized) | -0.02% (p18 of band) |
| Loans / shares | 19% (p6 of band) |
| Cash / assets | 11.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.79% (p14 of band) |
| Operating expense / assets | 3.03% (p32 of band) |
| Vehicles % of loans | 33% (p20 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.62% (p55 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 30% |
| Credit cards % of loans | 7% |
| Unsecured % of loans | 14% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 77% |
| Certificates % of member funds | 15% |
| Average share balance | $5,818 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 32% |
| Loans granted per 100 members, annualized | 12% |
| Average loan balance | $5,995 |
| Loans granted, annualized | $2.4M |

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)
- **members leaving** (`shrink_members`)
- **loan book shrinking** (`shrink_loans`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | thin capital, repo signal |  |
| 2016-06 | 1 |  | repo signal |
| 2016-09 | 0 |  | thin capital |
| 2016-12 | 0 |  |  |
| 2017-03 | 2 | delinquency rising, members leaving |  |
| 2017-06 | 1 |  | delinquency rising |
| 2017-09 | 1 |  |  |
| 2017-12 | 2 | delinquency rising |  |
| 2018-03 | 1 |  | delinquency rising |
| 2018-06 | 2 | delinquency rising |  |
| 2018-09 | 1 |  | delinquency rising |
| 2018-12 | 1 |  |  |
| 2019-03 | 2 | net worth falling, delinquency rising | members leaving |
| 2019-06 | 0 |  | net worth falling, delinquency rising |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | members leaving |  |
| 2020-06 | 3 | margin squeeze, delinquency 2x band, loan book shrinking | members leaving |
| 2020-09 | 4 | delinquency rising |  |
| 2020-12 | 1 |  | delinquency 2x band, loan book shrinking, delinquency rising |
| 2021-03 | 3 | net worth falling, delinquency 2x band |  |
| 2021-06 | 0 |  | margin squeeze, net worth falling, delinquency 2x band |
| 2021-09 | 1 | delinquency 2x band |  |
| 2021-12 | 0 |  | delinquency 2x band |
| 2022-03 | 0 |  |  |
| 2022-06 | 1 | members leaving |  |
| 2022-09 | 1 | assets shrinking | members leaving |
| 2022-12 | 2 | members leaving |  |
| 2023-03 | 1 |  | members leaving |
| 2023-06 | 1 |  |  |
| 2023-09 | 2 | loan book shrinking |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 2 | delinquency rising | assets shrinking |
| 2024-12 | 3 | members leaving |  |
| 2025-03 | 3 |  |  |
| 2025-06 | 3 |  |  |
| 2025-09 | 2 |  | delinquency rising |
| 2025-12 | 2 |  |  |
| 2026-03 | 3 | delinquency rising |  |

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

- 2013-09-09 [Robbery of Bison Federal Credit Union in Shawnee - fbi.gov](https://news.google.com/rss/articles/CBMiowFBVV95cUxOdkNvYVFudzVETm9yWnY3Mlk0VmVhY21JX2dIMEpUeHVXNDcwak05SExTcFp6QUQyZnh4b2g5VWJUdWMxeHdfcjZkUTk1V1JoMUhBTG9FSE5IYjlRUEhPV1NtY3dvWWlOTnlGcDBJSUNldEExVVNpSWxHVUk4UFhKOEY2Vi1seGVJa21QRTV0NDAxWHV6cW5YR3A2VkZQTG1ocjNr?oc=5) · fbi.gov
- 2026-07-23 [Jennifer Bourland Obituary (1950 - 2026) - Seminole, Oklahoma, OK - The Shawnee News-Star - legacy.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxNc2tIRnlsMURmWEhuN1ZfWlNFZVB5OThSUkVIbTNPRGVUb2lGS2x4cTI0U0xvQVlvc2REZ3Yyby1jMy13MzR5OG9TeEp6d1dBRDBpdGpURUpFZVZhY3lhQmpFWHp5SVBZd1lfQ21oMV9ERVFBMU8zVzEtdGg0VjhlVUFfdmR0bmt4ZG1Halo0WE5TQ25D?oc=5) · legacy.com
- 2021-10-25 [Gary D. Parker recognized for years of service to the credit union movement - CUInsight](https://news.google.com/rss/articles/CBMitgFBVV95cUxOUXpWRERfQ3FzMkEwMG1ycy12N2pkaXJiam1TVWxIUjdQZFBPc0hFMVM0YWlZXzl1U2Mwc3pBdU5jdWU3X3ctZS1GUDhmSWFVSGhEQnh5ZXFKZFJwYWNyblNaa0JTRXduMk56SnhTbDByTlNQU0hYRzBibjFDcVFnZ25wNGZJRk5TdXIxX08waWRhMU0zVWdtSjNFSXQxNWxaUmxyNUFJUUljdXZ2M0g2dUpGcDJ5QQ?oc=5) · CUInsight
- 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
- 2021-07-17 [Edmond Life & Leisure - Edmond Life & Leisure](https://news.google.com/rss/articles/CBMilAFBVV95cUxONmtrUkJxMXpUR204d21CS3MxdGZOakR0QXJkNXVua09fRkdmTzlReHd2YkZPNGNoUFpxd3YteWJnVDFCRURyRXZuMmJhS0wtT2xkcFFRckxacjJzQ1RiZWRLVVFLdGNLX0tpUVFueVR0Mno0UEo5THFJa3VuVHdCYVRLeVFjZFJFcGt5QjRuM0pRaE5W?oc=5) · Edmond Life &amp; Leisure
- 2016-03-22 [Portrait of first African American Deputy Marshal Bass Reeves Unveiled - Oklahoma State Senate (.gov)](https://news.google.com/rss/articles/CBMipgFBVV95cUxOVGdXNTRJLXVRXzljbGZEeWdFRkxNRjVzOGtTR3hUWUYtTVR5ZFdnX3ZFc0wzN3plLW14NGNBVmtKbXk4QS1abFZVSW84YnJ0ZG9KSmVudmFWczAwdTZOOGw3LWtBMDVMbEE1dEFPeklRVGJQZkhuZnVwZkJKbDgtLXlYUlVVTjFUN2Y2NjBseTVlc3U2VUVKWENpSEdQZHNleXJXa0lB?oc=5) · Oklahoma State Senate (.gov)
- 2025-05-16 [One Oklahoma artist, three huge projects - KFOR](https://news.google.com/rss/articles/CBMif0FVX3lxTE9lSWZiVmJXbHVxRnJ6LVRqR0pmMWlIcl8yQ25IQ25YYzEzb0xzeFMtME1ibGxKbkEzdy05N3NuZ0Yxelk2UVF5WU9JeU94d0x4YnFtNFl4cEtSUTFoTV8xSDZvUTRrc2p0d3NWeVBTQThWOFhFeEd5dkV5am51bEHSAYQBQVVfeXFMTXJyVC12Y25xdVFmdnFmZEZDOVhwaGhlOWpxRlBaQWVvb0dINXVqcVhnUlpMNVNxZEZNeWRGQWIxZHBoVFh5aVJUa3pMWDJ1b2RXNjE5YW5CN1UweVRPV190UUhTaFNZc0VvdF9Xa092X0pJdjl0SEtEd05Icmx0eVItSWls?oc=5) · KFOR
- 2021-08-05 [Jack King Obituary (2021) - Shawnee, OK - Riley-Walker Funeral Service & Crematory - Shawnee - MLive.com](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNOWFoRElhMFVPWkNPVUVkRWtDU0tYUVBzbUhuV2Q0cTZLYnhjeXlfMGtOU0ItWDJORGRrRlNHbUR6OG02S3d1TUFlOUNZWVU2TnZ4NnJSZ2Fxd1lDTXd0d3Qyek1tRFJETS0wOXpmTG02a19DakRBdEpxNVJIWm9HZU9fTkpVZ3dOd0dF?oc=5) · MLive.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=7149 (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/45.json (key "7149", 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=7149
- 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