# OKLAHOMA
OKLAHOMA CITY, OK · NCUA charter 7151 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/oklahoma-7151

Who the members are: federal charter, multiple common bond, organized 1951, low-income designated. 9,491 members of 18,982 potential (50.0% of the field); checking penetration 69% (share draft accounts per 100 members); loans per 100 members 68.

**Verdict on the desk:** this could be *auto monoline*. 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 | $197.4M |
| Members | 9,491 (-8.3% YoY) |
| Full-time staff | 18 |
| Net worth | $39.4M |
| Net worth ratio | 19.9% (p95 of band) |
| ROA (annualized) | 1.62% (p90 of band) |
| Total delinquency | 0.32% (p24 of band) |
| Net charge-offs (annualized) | 0.60% (p73 of band) |
| Loans / shares | 78% (p68 of band) |
| Cash / assets | 9.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.24% (p26 of band) |
| Operating expense / assets | 2.48% (p12 of band) |
| Vehicles % of loans | 72% (p94 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 58% |
| Third-party paper % of net worth | 132% (p75 of band) |
| Vehicle delinquency | 0.42% (p40 of band) |
| Vehicle NCO | 0.62% (p56 of band) |
| Repossessed % of vehicle book | 0.02% (p68 of band) |
| Real estate % of loans | 20% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 33% |
| Certificates % of member funds | 56% |
| Average share balance | $7,948 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 68% |
| Loans granted per 100 members, annualized | 21% |
| Average loan balance | $19,363 |
| Loans granted, annualized | $54.7M |

## Flags firing in the latest filing

- **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 | 2 | 3rd-party paper>100% NW, auto monoline |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 3 | members leaving |  |
| 2019-06 | 4 | net worth falling |  |
| 2019-09 | 2 |  | members leaving, net worth falling |
| 2019-12 | 2 |  |  |
| 2020-03 | 3 | delinquency rising |  |
| 2020-06 | 3 | net worth falling | delinquency rising |
| 2020-09 | 2 |  | net worth falling |
| 2020-12 | 2 |  |  |
| 2021-03 | 3 | net worth falling |  |
| 2021-06 | 2 |  | net worth falling |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 2 |  |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 3 | delinquency rising |  |
| 2023-03 | 2 |  | delinquency rising |
| 2023-06 | 2 |  |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 4 | delinquency rising, members leaving |  |
| 2024-03 | 3 |  | members leaving |
| 2024-06 | 3 |  |  |
| 2024-09 | 3 |  |  |
| 2024-12 | 3 |  |  |
| 2025-03 | 3 |  |  |
| 2025-06 | 4 | margin squeeze, members leaving | delinquency rising |
| 2025-09 | 4 |  |  |
| 2025-12 | 3 |  | margin squeeze |
| 2026-03 | 3 |  |  |

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

- 2026-06-10 [Best Certificates of Deposit in Oklahoma for 2026 - moneyrates.com](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE81MGN5b1poaTVsX1hqYmstUndKVmFXTWUxMW1hUHhReFRQOExKdXVEYkpMT2Vtdng4eTJ0Q09taUJRaUdBTVczSHUtY2JPZjMyNlR0WnJTNkI4V3l3bnVFdFV2Vy00UDA?oc=5) · moneyrates.com
- 2025-10-14 [Tinker Federal Credit Union names assistant vice president, branch manager at its Tulsa branch - CUInsight](https://news.google.com/rss/articles/CBMiygFBVV95cUxQZS1EZEU2M2hDN0FBV0hhamtpV1JYeWMwdXMxRFlCb01wc2lLdHJFdHVlNDY0dlhYR19kS2owVlNYU0FZVmo1VDRsN2s5UVJpTk4xQnBBam4tMmJrd2lmUVNwM1Zobmk1RGRTZUR5dDJwNVNpRlJhQU00WWxqNEJuM3VtYk5HVjFZY1UwdXJReXVMUmRsMU54ckhuUjllRE5kc19UNW5fV0F1aTlHRm45UlIwTG5CNzdtb1N0bHY1Sk1HZmlNM3JRUTN3?oc=5) · CUInsight
- 2026-01-07 [Beacon Drive-In closes after nearly 76 years in Guthrie, sold to local credit union - News 9](https://news.google.com/rss/articles/CBMiwAFBVV95cUxNdTZUVmpWemtRVGhVUzlfckFXVHE2ekU4eVgyTkdtejh4d1RaT0p4UVB6Q0VTWFd4ZUF3UVdSaTAwQ182ajhRYXlPVExhbjE4VC0wTnNmalZKaTMzcmgxS0VfcGxxdGlITVZuNVZaVk1EVTRZM09mSnEyOVh2NTBGRXVGQUVWMFRqS3dVQ2wyN2RrdWVjNEJocUZfUmwyMmczbnJSbGxFNDF2UGQ2cXNmS1ItaTVSb2VaRjBhYVpfdWQ?oc=5) · News 9
- 2026-01-05 [Beacon Drive-In sold; after more than 70 years, leaving lasting legacy in Guthrie - Guthrie News Page](https://news.google.com/rss/articles/CBMirAFBVV95cUxObDV5cnktM0s3bTUxUW05bnlqZDRsWjB3MlZ0YUdpeVEzQkNFTnhuTGp5YzFFekh0ZTc4Z2F3OUVLSUZlNDltT1pkTVFrSTF2NmM3Zlh6OEVZS1EyMDhXc2xhdks5WHNUeWJRQi16WjFHM09ZdUk1eXdWM0JSNzhWQlJBZ2twQjdhaFJtRGQyLUs0N0R0aHFyQ0locHlkaXNvRnNEUXlwX0NIbi1I?oc=5) · Guthrie News Page
- 2026-08-03 [William L. Counts, Jr. Obituary (2026) - Oklahoma City, OK - Smith & Kernke Funeral Directors - North May Ave - legacy.com](https://news.google.com/rss/articles/CBMihwFBVV95cUxPVEhvRlFPMDhUdzkzYzY3aDhRQ1JJdXl6NFA4SzUyQ1hCVDNvdVZZbmFvN1p0Ynp4NXEzWFNVcnd5Tm5wa0VnVkhxRDBmS0NpaUJyM1FwNWcyTWJCbVl6bmFXWlZtN1lKeldvMFF3VmFvZ3ZLa3NrTmFTX1BsbTlDZkJ3REVTODg?oc=5) · legacy.com
- 2022-01-27 [Oklahoma Community Credit Union Announces New Branch in Stillwater, OK - 1600 KUSH](https://news.google.com/rss/articles/CBMiogFBVV95cUxNS1hoNDFkNW4yWGZqVm9xS21IVnBLVzUyRk95VXBaa1k1SWRheHdQTlZvVEE5UHdaQ3JmMThnWkFTTThFbGtweGVDREVUNUNNdWxqSWVXNk1XSGVKN1JlWUEwOEJxSzRkOHNzZXNzSkFfUlp2a0FSVHBWTktEa1VIc0dkZ1U5SzVTVmRTOGxNNWtGa3ZmS2VBQ0FvRFVmeTRrTGc?oc=5) · 1600 KUSH
- 2017-12-04 [Name change to broaden market for local credit union - journalrecord.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxOMml5WExIMEoxTW9KS1ZoQUkwWld6LURHV21oMnpTWnN1SlRoR1VuQnJDU3ctQjE4eE9QdEF1RXlXa1VKajVfRzJWdWpHSVVLVFFhVEhSclhDX1RfYTBSb3ZxT09LTmhhNVJLbEQ0N1lIaVNfVWU2eVNpMU1sbldxeW9LWW9zNjJOdUVBc2JOeWVOd0Vl?oc=5) · journalrecord.com
- 2020-04-30 [Tinker Federal Credit Union to acquire Prime Bank of Edmond, OK - KOKH](https://news.google.com/rss/articles/CBMilAFBVV95cUxNRVdncE5HOWNaT05jLU1iOWlSRmVfNHZiWlBUcmZNOVB0Ykdsamx1WV9WSmZqRWMwZndOWjA5SGF5b0dTUmxyeXRBUk1uWldFV2UtNHZMbUNVU3JJd2pjcW9fVzVObmg4TzVOZ1A1cFQxNHFhV1lQbW9vSjFEMmphc0RMeHRIYzA0VkgwRk1hdDZxcXZD?oc=5) · KOKH

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=7151 (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/47.json (key "7151", 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=7151
- 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