Credit Union Safety Analysis
Is Cherokee Strip Credit Union Safe? Ponca City, Oklahoma
Based on its Q2 2026 NCUA 5300 call report, Cherokee Strip Credit Union has a net worth ratio of 9.86%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.55%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Cherokee Strip Credit Union's net worth ratio is 9.86%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 9.86%
- Delinquency ratio (60+ days) (Q2 2026): 0.55%
- Return on assets (Q2 2026): 0.18%
- Loan-to-share ratio (Q2 2026): 70.66%
Cherokee Strip Credit Union (NCUA charter 64281, established 1933) reported $106.0M in assets and 9,032 members for Q2 2026 from Ponca City, Oklahoma. It ranks 26 of 51 credit unions in Oklahoma by total assets. Total assets grew 7.4% from $98.7M on June 30, 2025. It has 96 more members than on June 30, 2025 (+1.1%). Its net worth ratio was down 0.38 percentage points from 10.24% on June 30, 2025. Commercial loans are its largest loan category, $23.7M of $66.9M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.55% is below the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 10.28% for Q1 2026; 10.24% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 0.75% for Q1 2026; 0.33% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: -0.55% for Q1 2026; 1.02% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 75.83% for Q1 2026; 88.26% for Q2 2025.
Loans by type, Q2 2026
- Commercial loans: $23.7M
- 1- to 4-family residential and other consumer real estate loans: $22.1M
- Used vehicle loans: $15.3M
- New vehicle loans: $3.1M
- Other secured non-real estate loans and lines of credit: $1.8M
- Other unsecured loans and lines of credit: $521K
- Unsecured credit card loans: $397K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $106.0M | 9.86% | 0.55% | 0.18% | 70.66% |
| March 31, 2026 | $101.2M | 10.28% | 0.75% | -0.55% | 75.83% |
| December 31, 2025 | $98.2M | 10.72% | 0.21% | 1.08% | 87.58% |
| September 30, 2025 | $96.8M | 10.60% | 0.13% | 0.66% | 86.37% |
| June 30, 2025 | $98.7M | 10.24% | 0.33% | 1.02% | 88.26% |
| March 31, 2025 | $102.9M | 9.57% | 0.20% | -1.22% | 80.74% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Cherokee Strip Credit Union profile
Regulator records: NCUA credit union profile (charter 64281) · FFIEC NIC profile (RSSD 90092)
Frequently asked questions
Is Cherokee Strip Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Cherokee Strip Credit Union's net worth ratio is 9.86%, above the 7% NCUA threshold for well capitalized.
Is Cherokee Strip Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Cherokee Strip Credit Union is a federally insured credit union (NCUA charter 64281): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Cherokee Strip Credit Union's key safety ratios?
For Q2 2026, Cherokee Strip Credit Union reports net worth 9.86%, delinquency 0.55%, ROA 0.18%, loan-to-share 70.66%.
What happens to my money if Cherokee Strip Credit Union fails?
For Q2 2026, Cherokee Strip Credit Union held $94.7M in shares and deposits for 9,032 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.