# MUSKOGEE
Muskogee, OK · NCUA charter 946 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/muskogee-946

Who the members are: federal charter, community charter, organized 1936, low-income designated. 8,191 members of 200,657 potential (4.1% of the field); checking penetration 47% (share draft accounts per 100 members); loans per 100 members 40.

**Verdict on the desk:** this could be *auto monoline*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $111.7M |
| Members | 8,191 (-1.7% YoY) |
| Full-time staff | 30 |
| Net worth | $13.5M |
| Net worth ratio | 12.1% (p55 of band) |
| ROA (annualized) | 1.90% (p94 of band) |
| Total delinquency | 0.23% (p18 of band) |
| Net charge-offs (annualized) | 0.24% (p38 of band) |
| Loans / shares | 38% (p6 of band) |
| Cash / assets | 52.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.77% (p57 of band) |
| Operating expense / assets | 2.95% (p25 of band) |
| Vehicles % of loans | 78% (p97 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p16 of band) |
| Vehicle delinquency | 0.07% (p10 of band) |
| Vehicle NCO | 0.23% (p32 of band) |
| Repossessed % of vehicle book | 0.10% (p79 of band) |
| Real estate % of loans | 6% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 88% |
| Certificates % of member funds | 10% |
| Average share balance | $7,391 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 40% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $11,519 |
| Loans granted, annualized | $16.0M |

## Flags firing in the latest filing

- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 4 | thin capital, capital below 7%, auto monoline |  |
| 2016-06 | 4 |  |  |
| 2016-09 | 4 |  |  |
| 2016-12 | 4 |  |  |
| 2017-03 | 5 | members leaving |  |
| 2017-06 | 5 |  |  |
| 2017-09 | 3 |  | capital below 7% |
| 2017-12 | 3 |  |  |
| 2018-03 | 3 |  |  |
| 2018-06 | 2 |  | members leaving |
| 2018-09 | 3 | delinquency rising |  |
| 2018-12 | 2 |  | delinquency rising |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 3 | delinquency rising |  |
| 2020-06 | 3 | net worth falling | delinquency rising |
| 2020-09 | 2 |  | net worth falling |
| 2020-12 | 3 | margin squeeze |  |
| 2021-03 | 4 | net worth falling |  |
| 2021-06 | 4 |  |  |
| 2021-09 | 3 |  | net worth falling |
| 2021-12 | 3 |  |  |
| 2022-03 | 2 |  | margin squeeze |
| 2022-06 | 3 | delinquency rising |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 3 |  |  |
| 2023-06 | 2 |  | delinquency rising |
| 2023-09 | 2 | assets shrinking | thin capital |
| 2023-12 | 1 |  | assets shrinking |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 2 | delinquency rising |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 1 |  | delinquency rising |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |

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

- 2026-05-22 [Laura Marie Parker Obituary (2026) - Haskell, OK - Dowdy-Marker Funeral Home - legacy.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxNM3Nmb1hsQUNrS2hIRmVtS1VieUdmZVduMEotQmVCSUVrQUx5OUY1VC1TVXoyNUp1X1JXVE5aaVRvMGIwOEVUaV9IYU5ERnJtUWVmenlyeE5HWXU0TnlaSkVyb2oyTjVxUkxtejgxTHdMQmpTSjE4TTN5dWpmN2l0Sw?oc=5) · legacy.com
- 2024-12-18 [TTCU ranked Best Credit Union in Oklahoma by Forbes - CUInsight](https://news.google.com/rss/articles/CBMilwFBVV95cUxQU0lNUmNvZ2JDY2l3Mk0zUUxfRm16WG5KbHNpRXdDNU9nR1ljQjhWRERTbGNrQTlfQTdEenBSMlN4aEh2bl9lak5tSUZ5QnZaQUUyQmtUelowZmNxay1sYWFfeVQzOFhLVDVpWVUwa1QzRTJSU1VKVlBBQnYzVEJIeXlKWjNvdHluRFJUanlZV045WkpWemNZ?oc=5) · CUInsight
- 2024-01-25 [Barbara Lou Hutchison - View Obituary & Service Information - Cornerstone Funeral Home and Crematory](https://news.google.com/rss/articles/CBMie0FVX3lxTE1aT2VaWXZrYXVaa1hTOExXTWVxeDBiUjRNckZ5N2JzdTFrMjJOSFJISU95LWZnaVZuRW8wQV9jVlluV1VrMWNIenpaQU9ZRFZLekZJbEdraHRnMkZMTUppQzdIX21xWkZhRHBEX0t3MDNCOTFDU1I0c2RLcw?oc=5) · Cornerstone Funeral Home and Crematory
- 2026-02-10 [$3M TTCU Federal Credit Union overdraft fees class action settlement - Top Class Actions](https://news.google.com/rss/articles/CBMi2AFBVV95cUxQM0RFVThWbTBaOUhzQTFPUXRZNnJSRU5IZTYtaFZIeHl3dDJNYk45VThXYWpYZ1dRZ2hrQlFOZFFXT2dPQnU3aTZKMUZWOG9pZTdoREVhU2ctdWtsVHdKSllwcVI3cVFYVnlUYW9mcnVFeHJYdE41c3hiMTNpM0ZxdjV4MnRicVBGbHdvSnZ5SmxLZVpHSHUtUW15UDhITkxJMHh3c0d1TGdzQWNCSEdqdGdfZkwwb2ZSdHJJSlJPWGI2S2Y4NHVKcEI4SDZrWTFaajNaSW5TXy0?oc=5) · Top Class Actions
- 2015-12-26 [Credit union head to retire - Muskogee Phoenix](https://news.google.com/rss/articles/CBMitAFBVV95cUxOZlB2MkZrTXlCczRrR2NnNEljaVUzTmNmdFZvUlRmU0EzczNHSHJJRURLbHdGUy1qMlp2UHNiOUV0Y3ZlS1F5NHNGZC1rbDRzWXg5VHlueVRVV3FVaUJtWXAzZmtJUzA1cWJGSnNuTHFhTHVmUUJqSlNEVlRkalpTMHhVZDNKYVdka2RndjQxcERuZ3RBaWRHdnRzSmhZNElqTDlaTDZxTnN1UUN2cWdfcjBJc08?oc=5) · Muskogee Phoenix
- 2026-05-28 [Brandi Clemons-Martin Obituary - Dallas, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPRUt0Wmo0aGJVdWxWSXRWeUdJTGR0cWEzdDNlUG9rZjBHdkhXbDVyU0tvTXdSY0RlM3RFQUU2bnBqdy1vQzFhY1h3cllRNENZdzBFVW8yWFhqUGhybmJ0TVVOMTlIM0NpclRlYlF1WXRZX3AxNDNyZklNaWpjcGJSVXFORFExdS1QMWxV?oc=5) · Dignity Memorial
- 2022-10-08 [Columbus Day closings 10.08.22 - Muskogee Phoenix](https://news.google.com/rss/articles/CBMiuAFBVV95cUxPM3NoLWM0REZaX242eFR1LS1uQlEzWlVUME4tZk9yWTkxRWdSaXJjaVVZbUEyZzBITkdSQzJLLTVZYWZESDluOE9NdVlpNE9QZWJFYlg5WUF1OFdqalIwUmR1TWwxemFfSGtTdTBBT2ttWjNHa3pLUGxyY29NYkxEdy1ja1FLSjZwX2dlLW1oTnV5ZmxSSmxxY1Z0Tk1LUkV3Z0pJc1podERGN1dQQ0c5VjNYdDlJeTVX?oc=5) · Muskogee Phoenix
- 2021-12-02 [Oklahoma Car Dealerships TCPA Class Action Settlement - Top Class Actions](https://news.google.com/rss/articles/CBMivgFBVV95cUxONURmMjdTMEJnTVRRYVRwRlRBbDBaTzNsUmN2QTliQ2lHb2laVWZ3VFhDMWJybnZ4RE1YY2pPSHR6aHc1Nkt6VmFZTGFxT0N5d3pPY3RScmV3czl3bUtWNDFkd1hJTnZ3MUVnYWVRRTNBQWlYZGozNnBaME1rLWg4cEluZDFua0JZRjE1TFRjOHB1dDB3ZkhlMkVlQ1ZnbVdSWFFJZTltX0RJMU81MV9kMm5uR0NxTjBKVDdlV3d3?oc=5) · Top Class Actions

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=946 (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/50.json (key "946", 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=946
- 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