# FIRST OKLAHOMA
Glenpool, OK · NCUA charter 9090 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/first-oklahoma-9090

Who the members are: federal charter, community charter, organized 1953, low-income designated. 2,167 members of 1,061,000 potential (0.2% of the field); checking penetration 57% (share draft accounts per 100 members); loans per 100 members 70.

**Verdict on the desk:** this could be *stressed*. Composite score 8 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $27.9M |
| Members | 2,167 (-8.5% YoY) |
| Full-time staff | 8 |
| Net worth | $2.0M |
| Net worth ratio | 7.3% (p3 of band) |
| ROA (annualized) | -1.49% (p8 of band) |
| Total delinquency | 0.30% (p36 of band) |
| Net charge-offs (annualized) | 0.04% (p54 of band) |
| Loans / shares | 62% (p56 of band) |
| Cash / assets | 13.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.17% (p24 of band) |
| Operating expense / assets | 6.06% (p90 of band) |
| Vehicles % of loans | 32% (p20 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 30% |
| Third-party paper % of net worth | 213% (p99 of band) |
| Vehicle delinquency | 0.64% (p56 of band) |
| Vehicle NCO | 0.45% (p80 of band) |
| Repossessed % of vehicle book | 0.58% (p97 of band) |
| Real estate % of loans | 34% |
| Credit cards % of loans | 6% |
| Unsecured % of loans | 9% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 63% |
| Certificates % of member funds | 30% |
| Average share balance | $6,789 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $1.2M |
| Loans outstanding per 100 members | 70% |
| Loans granted per 100 members, annualized | 6% |
| Average loan balance | $10,667 |
| Loans granted, annualized | $2.3M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $1.2M outstanding purchased (59.8% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares -8.3% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **repo signal** (`aq_repo`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)
- **loan book shrinking** (`shrink_loans`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | thin capital, 3rd-party paper>100% NW, auto monoline |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 3 |  |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 4 | net worth falling |  |
| 2017-06 | 3 | assets shrinking | thin capital, net worth falling |
| 2017-09 | 2 |  | assets shrinking |
| 2017-12 | 3 | members leaving |  |
| 2018-03 | 6 | thin capital, net worth falling, expense trap |  |
| 2018-06 | 5 |  | expense trap |
| 2018-09 | 6 | losing money |  |
| 2018-12 | 4 |  | net worth falling, losing money |
| 2019-03 | 4 | margin squeeze | thin capital |
| 2019-06 | 7 | thin capital, delinquency 2x band, delinquency rising |  |
| 2019-09 | 4 | net worth falling | members leaving, margin squeeze, delinquency 2x band, delinquency rising |
| 2019-12 | 7 | losing money, delinquency 2x band, delinquency rising |  |
| 2020-03 | 8 | charge-offs p90 |  |
| 2020-06 | 9 | repo signal |  |
| 2020-09 | 11 | assets shrinking, members leaving, loan book shrinking | net worth falling |
| 2020-12 | 10 |  | delinquency rising |
| 2021-03 | 8 |  | losing money, charge-offs p90 |
| 2021-06 | 6 |  | thin capital, repo signal |
| 2021-09 | 7 | margin squeeze |  |
| 2021-12 | 4 |  | auto monoline, assets shrinking, margin squeeze |
| 2022-03 | 6 | losing money, charge-offs p90, assets shrinking | delinquency 2x band |
| 2022-06 | 4 |  | loan book shrinking, charge-offs p90 |
| 2022-09 | 4 |  |  |
| 2022-12 | 4 |  |  |
| 2023-03 | 4 | expense trap | losing money |
| 2023-06 | 2 |  | members leaving, expense trap |
| 2023-09 | 4 | losing money, members leaving |  |
| 2023-12 | 7 | net worth falling, delinquency rising, leaning on borrowings |  |
| 2024-03 | 5 | margin squeeze | assets shrinking, losing money, net worth falling |
| 2024-06 | 4 | losing money | delinquency rising, leaning on borrowings |
| 2024-09 | 6 | thin capital, net worth falling |  |
| 2024-12 | 4 |  | thin capital, net worth falling |
| 2025-03 | 5 | thin capital, loan book shrinking | margin squeeze |
| 2025-06 | 7 | delinquency rising, assets shrinking |  |
| 2025-09 | 7 |  |  |
| 2025-12 | 10 | net worth falling, expense trap, delinquency 2x band |  |
| 2026-03 | 8 | repo signal | delinquency rising, expense trap, delinquency 2x band |

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

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- 2026-08-08 [Tulsa families fill drive-in for free movie event sponsored by Tinker FCU - News On 6](https://news.google.com/rss/articles/CBMiuAFBVV95cUxQdjl0Z0lFQTN2MEJVZXdqekdmNDdIemx2dHB4VUpjYlAzeUx2U0pIRGxPX0F2bGprbldjTTFIT3NERkxQbXFjeERQTFhWelRFNXJfOFZBMU81STl1Z01RMnB5N216QWxmVkY4VkxaSnRSSkJUb2o3cXJJV1FETTNLbjk4VGhWbzVJb0x0TVhub2dmbWhFYXdLTk1oeWVkcldsaExSb3BZR1lTVDFZUmlOazRydlZtd2l4?oc=5) · News On 6
- 2019-01-17 [Joe Golemboski Obituary Jan 17, 2019 - Fitzgerald Funeral Service](https://news.google.com/rss/articles/CBMidEFVX3lxTE1wamZfVXpWeWdCRnRtOTM2bVN4NTBELWR3a0FvSjdCZW1VZG5jVE9iR0pfc0w3YlhhTlVBa29MLWdScDFFYUtEZC0zekY1ZzBrNlpCZ0lVSTBfOUNDVXVRMzRwOC0xRHVoVDIwMXBWeHRFTHNW?oc=5) · Fitzgerald Funeral Service
- 2024-07-03 [Elite Youth Hockey Tournament invites an Oklahoma player for the first time - KFOR](https://news.google.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?oc=5) · KFOR
- 2026-07-24 [2026 Faces of the 918 - TulsaPeople Magazine](https://news.google.com/rss/articles/CBMivwFBVV95cUxQanZHNk9ZVnI1ZTVrbC1zV1BRVk94V1UySjV2b2ZXNGhuejVJNHRjX01lVmFKVlZnV0pYSjdvUDBRb1NIZEVwSnExNXk0VGNOOE5ueEhUaUZEUUZCWU9admZnRXBjd2UzTWEyT1o0LUdZUnNpWHZKR08tUjVtZ29hdlVLWTBraGlNTERuY3U1SkdxQTFyajdoNkdfdFpMaEhPajNuVUtMRW05cFdSdFZ1SDdVZkk3SVZOckxoVWlNRQ?oc=5) · TulsaPeople Magazine
- 2018-10-02 [Here are all of the banks that currently support Apple Pay - iMore](https://news.google.com/rss/articles/CBMid0FVX3lxTE9ZY3JkQUdrNTNjWmMzVFk2QXBlWExaRnI3bjVsQ28wVlFRWUc5TEVWMm5TWkZ6RmtKTTNZRUhKbExyS25yb2pnRTc5VklBeW13Mzk0aU9MWVNGbHpiMDJUM1pfOVFvdFhCdGpNLUJQVG9ybXYzNlc4?oc=5) · iMore

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=9090 (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/2.json (key "9090", 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=9090
- 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