# DEPARTMENT OF PUBLIC SAFETY
OKLAHOMA CITY, OK · NCUA charter 8890 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/department-of-public-safety-8890

Who the members are: federal charter, multiple common bond, organized 1953, low-income designated. 2,412 members of 8,000 potential (30.1% of the field); checking penetration 31% (share draft accounts per 100 members); loans per 100 members 29.

**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 | $26.0M |
| Members | 2,412 (-0.2% YoY) |
| Full-time staff | 8 |
| Net worth | $4.4M |
| Net worth ratio | 16.8% (p61 of band) |
| ROA (annualized) | 0.14% (p30 of band) |
| Total delinquency | 0.48% (p43 of band) |
| Net charge-offs (annualized) | 1.39% (p90 of band) |
| Loans / shares | 58% (p51 of band) |
| Cash / assets | 23.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.95% (p53 of band) |
| Operating expense / assets | 3.83% (p56 of band) |
| Vehicles % of loans | 83% (p87 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.48% (p51 of band) |
| Vehicle NCO | 0.85% (p85 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 10% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 79% |
| Certificates % of member funds | 11% |
| Average share balance | $6,556 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 29% |
| Loans granted per 100 members, annualized | 15% |
| Average loan balance | $17,902 |
| Loans granted, annualized | $6.2M |

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)
- **assets shrinking** (`shrink_assets`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | auto monoline |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 3 | net worth falling, losing money |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 4 | members leaving |  |
| 2017-06 | 2 |  | net worth falling, losing money |
| 2017-09 | 2 |  |  |
| 2017-12 | 3 | assets shrinking |  |
| 2018-03 | 2 |  | members leaving |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 | delinquency rising | assets shrinking |
| 2018-12 | 4 | repo signal, assets shrinking |  |
| 2019-03 | 3 | losing money | repo signal, assets shrinking |
| 2019-06 | 2 | net worth falling | delinquency rising, losing money |
| 2019-09 | 2 | members leaving | net worth falling |
| 2019-12 | 3 | losing money |  |
| 2020-03 | 3 | assets shrinking | members leaving |
| 2020-06 | 3 | net worth falling | assets shrinking |
| 2020-09 | 2 |  | losing money |
| 2020-12 | 5 | losing money, expense trap, delinquency rising |  |
| 2021-03 | 6 | margin squeeze |  |
| 2021-06 | 3 |  | net worth falling, expense trap, margin squeeze |
| 2021-09 | 3 |  |  |
| 2021-12 | 2 |  | delinquency rising |
| 2022-03 | 2 | net worth falling | losing money |
| 2022-06 | 1 |  | net worth falling |
| 2022-09 | 2 | delinquency rising |  |
| 2022-12 | 3 | delinquency 2x band |  |
| 2023-03 | 2 | net worth falling | delinquency rising, delinquency 2x band |
| 2023-06 | 2 | delinquency rising | net worth falling |
| 2023-09 | 3 | members leaving |  |
| 2023-12 | 2 | repo signal | delinquency rising, members leaving |
| 2024-03 | 3 | delinquency rising, charge-offs p90 | repo signal |
| 2024-06 | 4 | losing money, assets shrinking | delinquency rising |
| 2024-09 | 1 |  | charge-offs p90, losing money, assets shrinking |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 2 | delinquency rising |  |
| 2026-03 | 3 | assets shrinking |  |

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

- 2025-11-03 [Victim of complex bank account scam shares her story to protect others - wwmt.com](https://news.google.com/rss/articles/CBMi1wFBVV95cUxOejkyRXY3dXk1VGM0SXdDRFhxZGlqelNRMEdyMVU4ZUVEdkRvYUR4bWFKODBsSUl0Ulh3dVBFb2EwcFdSLVhmNDVIUWN1NmRfV0YzRVE2TkpWaFBoRXNRWWlrc18tTElIbEJHN3dFLUVrbFdQTG1zdjZHMGoyeGkxT25xck5zb2YtTHhlaVJkZFVmU1FmenRWY19tMnJyUTB0VEs5S3lsaVpzNVhrUW0zbnNPXzdJdHZLMEQzajZuRVc3dEJNUGJhTW9lMTdfd2FSZWcxd1BhWQ?oc=5) · wwmt.com
- 2025-10-07 [What’s open and closed on Columbus Day and Indigenous Peoples in Oklahoma? - News 9](https://news.google.com/rss/articles/CBMipwFBVV95cUxORlk3NDRWeTdoOThHZVdHMEY5akh3cGdBT0NZQkVsLWNXUnBXSnI2cXl0Q3JMbUNQNC11bU1BTnZ6QjNOWkN0cDRsZnpDWjFFU0RuWElub3hSNzlrb2dBZURmdU9hU1dtU3FtU3dULWpfUzNlaV85LUNJNnBqZWU0QUpnRVVCRjNvRWRzcXNxQnhjQnVBV3RXbUdvdG5iWkhGV0xiQksxdw?oc=5) · News 9
- 2016-09-15 [1st Review of the Suspicious Activity Reporting System (SARS) - FinCEN.gov](https://news.google.com/rss/articles/CBMigAFBVV95cUxPQXJ4RVJYYVo0YjZTNVlKa1VtWi1TQ0hlcmowa3M4TmN6N0pjYXZkbk5leVk0eHY1b0VVWEI1UWFJQnZyOFRGblBNNU1qNnF0TUVBY2Z6bDQ3ZlJwNUI0RzN4TWtEY3paUENNZ1B6dmE4dU9QMG5lRnZuakhpUXlNWA?oc=5) · FinCEN.gov
- 2024-01-04 [Support a litter-free Oklahoma by entering statewide Trash Poster Calendar contest, 2024 calendars available - oklahoma.gov](https://news.google.com/rss/articles/CBMiugFBVV95cUxPLUdFc0oyR2F2SVcyUkpSVGQySHNBU1BkYjFzVk9uVGJFLXRVeUlSNHp4LXhXRW95aktMNVQ2aDhNaDV6a0xaWHhKYzc2VXVzWHluQW1XOURoR01UZ3hqOXlQc0VNVnlBUFFmQ3BMUGhtUkVLN1pVN1RGcWJKUWFwWjk5dDUtMjVPQUxQd3hQTk02cTlOQVJDRFdkcTgtSmZKQkMxNmhmMXpvbG9wR1hCSW9zLWZwelRCUmc?oc=5) · oklahoma.gov
- 2026-04-12 [Los Angeles County Sheriff's Department. Ella Fitzgerald · It's A Lovely Day Today. April is National Volunteer Month, and we’re proud to celebrate the incredible individuals who dedicate their time, skills, and heart to serving our LASD communities. From our m - facebook.com](https://news.google.com/rss/articles/CBMi9wFBVV95cUxOWlFQeWVqRFJRZnBRTWR6MVRXb3MyM1NpMmtMOHJxZVBqYlZhQVYtMlkxRzEzQklzVHoxTFdfNUhDX2E5WllVYnpUM1VEeDRVSTFuUnFlUUNPdk1hc291ZHdFdjVmMG9Ba2UzeXVOaU9iOElzSk02anREOVZLRVVKQzJ5NjAwakNCbUdFeTVoRmZkcGRpam9TM0JYY0pxV183dWlZME1hS1Q5Q3M2VWJXVVZHanBSUHdjWUVfQmhHVGFxbjF1UFgxWWM5OUdpTVk0SFBHZEx5OU93R2tlR3NCX1pKUUczUDlaYkhIWEFFOVduczZOYWZB?oc=5) · facebook.com
- 2024-04-23 [Winners named in ODOT’s Trash Poster Contest - Oklahoma Energy Today](https://news.google.com/rss/articles/CBMihAFBVV95cUxPRU52a2RKOUhkTGNZWF9Pc3Fmb3E1ZXhwN1dlMnZBXy1qWGJ6T0ZDbVhkR2xMcmJBWkdmbngyTGpDMUFtWlloWEhvdTFwQjluRzhfVHdvVXlHRG91bmNlVlN0UTVHQ0FDV3U4RjlRbHZ1ZkhRVUZNZlBsYXV2a05KM090a3k?oc=5) · Oklahoma Energy Today
- 2024-12-18 [Get Creative for a Litter-Free Oklahoma: Enter the 2026 Trash Poster Calendar Contest, 2025 calendars available - oklahoma.gov](https://news.google.com/rss/articles/CBMiugFBVV95cUxQQzRVWEpybDJvVndjNXB3ZzZQd2pkTTcwczlyVTZjbEQxeFYzdTY3aHRrNEdGZjhPV3VXUUJ4TjNHTlBtd1VSX3pzLTdyWlFKZ05DeENUQU5QZWpwOWFBQ1pfQ3R5N1JJdlR6dF9FcmExVmYzUzRqYWlPdXJCbTRwdUJQWUhUVEJrd2U0YXVSTXIydDVoTEZsTlNQeVAybDJlRGVvSzFkajVDRWcwOWlKRi1YQlMxZDN3dEE?oc=5) · oklahoma.gov
- 2021-10-12 [GHS student featured in 2022 Trash Poster Contest - Guthrie News Page](https://news.google.com/rss/articles/CBMihAFBVV95cUxNeElKVzF3dDlwZ3FwU0kyNkJOVjVHR2xHN1BFZ1ZFQXM4dkd4el9KUHVGc3hKZlVuYVdWOG1DX01zNU15cjR4djh1ZGNlX2tXSmRCbVdsOHZkMFItanRmN2JVRzVXa2JWNlJoR3VKaHg2eHVUR21iaVp0aWlBcVplLTNvZDE?oc=5) · Guthrie News Page

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=8890 (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/58.json (key "8890", 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=8890
- 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide