# EMPLOYEES
TULSA, OK · NCUA charter 9715 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/employees-9715

Who the members are: federal charter, multiple common bond, organized 1954, low-income designated. 3,434 members of 80,000 potential (4.3% of the field); checking penetration 56% (share draft accounts per 100 members); loans per 100 members 43.

**Verdict on the desk:** this could be *stressed*. Composite score 6 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $48.1M |
| Members | 3,434 (-6.4% YoY) |
| Full-time staff | 19 |
| Net worth | $3.9M |
| Net worth ratio | 8.2% (p6 of band) |
| ROA (annualized) | -0.08% (p22 of band) |
| Total delinquency | 1.42% (p70 of band) |
| Net charge-offs (annualized) | 0.55% (p77 of band) |
| Loans / shares | 61% (p54 of band) |
| Cash / assets | 24.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.99% (p54 of band) |
| Operating expense / assets | 5.26% (p82 of band) |
| Vehicles % of loans | 40% (p26 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 1.33% (p70 of band) |
| Vehicle NCO | 1.32% (p89 of band) |
| Repossessed % of vehicle book | 1.37% (p99 of band) |
| Real estate % of loans | 48% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 60% |
| Certificates % of member funds | 20% |
| Average share balance | $7,413 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 43% |
| Loans granted per 100 members, annualized | 15% |
| Average loan balance | $18,309 |
| Loans granted, annualized | $13.4M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **delinquency 2x band** (`aq_dq_high`)
- **repo signal** (`aq_repo`)
- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | thin capital |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 3 | losing money, delinquency 2x band |  |
| 2016-12 | 3 | expense trap | losing money |
| 2017-03 | 5 | net worth falling, delinquency rising |  |
| 2017-06 | 4 | repo signal | net worth falling, delinquency rising |
| 2017-09 | 3 |  | repo signal |
| 2017-12 | 3 |  |  |
| 2018-03 | 6 | net worth falling, losing money, margin squeeze |  |
| 2018-06 | 5 | repo signal | losing money, margin squeeze |
| 2018-09 | 4 |  | net worth falling |
| 2018-12 | 4 |  |  |
| 2019-03 | 4 | delinquency rising | expense trap |
| 2019-06 | 6 | capital below 7%, net worth falling | delinquency rising |
| 2019-09 | 5 | expense trap, delinquency rising | capital below 7%, net worth falling |
| 2019-12 | 3 |  | expense trap, delinquency rising |
| 2020-03 | 4 | net worth falling |  |
| 2020-06 | 6 | capital below 7% |  |
| 2020-09 | 4 | margin squeeze | net worth falling, capital below 7% |
| 2020-12 | 4 |  |  |
| 2021-03 | 4 |  |  |
| 2021-06 | 5 | net worth falling |  |
| 2021-09 | 5 | losing money, members leaving | margin squeeze, net worth falling |
| 2021-12 | 4 |  | losing money |
| 2022-03 | 4 |  |  |
| 2022-06 | 4 |  |  |
| 2022-09 | 4 |  |  |
| 2022-12 | 4 |  |  |
| 2023-03 | 5 | losing money |  |
| 2023-06 | 5 | delinquency rising | losing money |
| 2023-09 | 4 |  | members leaving |
| 2023-12 | 4 |  |  |
| 2024-03 | 5 | losing money |  |
| 2024-06 | 4 |  | delinquency rising |
| 2024-09 | 6 | delinquency rising, assets shrinking, members leaving | losing money |
| 2024-12 | 4 |  | delinquency rising, assets shrinking |
| 2025-03 | 5 | net worth falling |  |
| 2025-06 | 4 |  | net worth falling |
| 2025-09 | 4 |  |  |
| 2025-12 | 4 | net worth falling | members leaving |
| 2026-03 | 6 | losing money, members leaving |  |

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

- 2026-08-04 [SAFE Credit Union secures regulatory approval for merger with BECU - Sacramento Bee](https://news.google.com/rss/articles/CBMiakFVX3lxTFBfTkl6NFZlOUZONUNMYldnUHNZNmdQcFNyYXlEZGZuQW9PR2ozeXRqYndHemlCQjZQMk5PTUdjYWF5cWk3WHNqc1dvTmFScThUeG45aGluNmp6Y0lXVmx4S1FnNzN4SGoyR1HSAWpBVV95cUxQbjV2dGpYZVdTd21iUkVmRG9yUFZHNDd5SXFuY3V1M1dfbTl0eVluZUpreEtVZHI1YWpOdEo0d0IzZHB5RWRWNjZ2dzZyTFhCSm5TTmV2TS1uNmZLcEFzNk5MWW5OTVNmbnJR?oc=5) · Sacramento Bee
- 2026-04-19 [Unity shown after OKC bombing still resonates at OKC Memorial Marathon - The Oklahoman](https://news.google.com/rss/articles/CBMi_gFBVV95cUxNZGNBWWFXOUpPeHhNWWVqdlRBcDQxVGMzQlBrUlVIUlVsT2ZieFJjRy1nSnUwS0M1NUFPRUowYzFzcEJuNGp2dXhlRU15UTJLdVV6VC1IcTBocGpMa3Zia1RPRndRWmh0Rkh6SHVQd05mS0Q2eldSbHdtaFBJN3pJRTU4WE5hSnhEeW5BUFJEOEN5dEdqX3VmRVlaR09zRjE1U0IzVmlSa1A4RDZWUUdfRWNfVHF5UlN1eG5JSWZBWnBoZHdId1M2TVp3a3p5MHl6dGdKdkJzWHNaYkdvb3R5ajZ2RFZlUHduRlJyNG5yclJSRG9WSElGaWJIVGkzQQ?oc=5) · The Oklahoman
- 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
- 2026-05-23 [George Ernest "Ernie" Landry, Jr. Obituary (2026) - Blanchard, OK - Eisenhour Funeral Home - Blanchard - legacy.com](https://news.google.com/rss/articles/CBMihgFBVV95cUxPbTZteXg1bGg5VEN4c1hYRU5Ydk1qbGRVelVicm52NWJsZ0xGd3RXazJha1pRZGh4YU0wNDhkVGoyVzVCTU5FZUpJUjNScTE5ekNMZkpJaHc0dzRudFRsVWVhQ1cyVmhUaTM3eGVvaWRHSW44VGw0M2VkaGFnVTZtblVCY2FNZw?oc=5) · legacy.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
- 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
- 2022-10-31 [True Sky Credit Union approved for merger with Central Okla Credit Union - Oklahoma City Free Press](https://news.google.com/rss/articles/CBMinwFBVV95cUxPQy14NXlTUGQ2bWd4UU1RWW4yN0g2T2llOVNkOFdyeGFZQi1ObDY4bU5BQVBSc0V2RUt5dUZmQTN2RmpXQjVMM1pvR05YUEdiLWc5Q0dIRVBpSUtkQ1otTjF1SnVYd3RyRnQ3YTZSbUdJRE9GcGEwSkQ4NWQ2ZTM1d0d5OVR2UXg0cVJXal9VZDMyU2xNdnV2UjJzUWJYekE?oc=5) · Oklahoma City Free Press
- 2020-09-23 [The Best Credit Unions to Work For with assets from $500M - $1B - americanbanker.com](https://news.google.com/rss/articles/CBMisAFBVV95cUxPSTdleXJtVHdFTXhjaHhGZHdFdHFudndteHEwal9zdTRkQXM1dFRmZzVXeTJ1MDdnaDFzc1Zfa2tjejVVdV9YZi1fY3NZRW8zYU03N3RXeFlFTTU0ZWJBaVpIVzI5bGdtVHEtV010aXB3Sk1uMHZWMWRGdWtGdGZBMnB6YzhQWjNDWEt4YzlKZVFZSHpLTXlkNElXSGpod3JXZTJsNFFUaHlGaEFvdzRfSA?oc=5) · americanbanker.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=9715 (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/51.json (key "9715", 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=9715
- 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