Communication Federal Credit Union Oklahoma City, Oklahoma
Communication Federal Credit Union is a federal credit union headquartered in Oklahoma City, OK, established in 1939 (NCUA charter 3454), and it is regulated and insured by the NCUA. At Q2 2026 it reported 134,555 members and total assets of $2.38B (up 9.4% from Q2 2025), the 3rd largest of 51 credit unions headquartered in Oklahoma. Its net worth ratio was 11.83% at Q2 2026, in the well capitalized band.
Also written as Communication FCU
BankRegReports is independent of Communication Federal Credit Union and never asks for online banking logins or passwords.
Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 3454
- Headquarters
- Oklahoma City, OK
- Established
- 1939
- Total assets, Q2 2026
- $2.38B
- Assets vs Q2 2025
- +9.4%
- Members, Q2 2026
- 134,555
- Net worth ratio, Q2 2026
- 11.83%
- Latest call report
- Q2 2026, NCUA 5300 · Communication Federal Credit Union call report
- Asset rank in state
- 3rd of 51 in Oklahoma
- Routing number
- 303085476
- Branches
- 24
It has 3,547 more members than on June 30, 2025 (+2.7%). Its net worth ratio was down 0.12 percentage points from 11.95% on June 30, 2025. Used vehicle loans are its largest loan category, $849.6M of $1.60B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.24% is above the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 11.83% net worth ratio is above that band's 10.89% median.
Credit unions merged into Communication Federal Credit Union
Topeka City Employees Credit Union (2021) · First Tulsa Federal Credit Union (2020) · Gilt Edge Employees Federal Credit Union (2019)
Frequently asked about Communication Federal Credit Union
How big is Communication Federal Credit Union?
At Q2 2026 it reported total assets of $2.38B and 134,555 members.
Where is Communication Federal Credit Union headquartered?
It is headquartered in Oklahoma City, OK, United States.
When was Communication Federal Credit Union founded?
It was established in 1939, per NCUA records.
Is Communication Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 3454): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Communication Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Communication Federal Credit Union well capitalized?
Its net worth ratio was 11.83% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Communication Federal Credit Union's delinquency ratio?
Its delinquency ratio was 1.24% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Communication Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 77.49% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Oklahoma City, OK 73116
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1939
- NCUA Charter #
- 3454
- RSSD ID
- 603670
- Members
- 134,555
- Potential members
- 1,444,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 454 credit unions with $1B to $10B in assets, as of Q2 2026. It is in the top quartile on 3 of 7 ranked measures and in the bottom quartile on 2.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 12.63% | 11.83% | 10.89% | 63rd above |
| Return on assets Middle half of peers: 0.59% to 1.25% | 1.60% | 0.89% | 88th top |
| Return on equity Middle half of peers: 5.37% to 10.92% | 13.51% | 8.07% | 90th top |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 3.77% | 3.45% | 73rd above |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 50.04% | 70.59% | over 90th top |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 2.35% | 1.68% | 10th bottom |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 1.24% | 0.68% | 18th bottom |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 6.12% | 5.12% | over 90th position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 77.49% | 88.03% | 24th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$2.38B total assets against $2.18B; $2.06B total shares and deposits against $1.85B; $1.60B total loans against $1.63B.
$282.1M net worth against $260.5M.
11.83% net worth ratio against 11.95%.
77.49% loan-to-share ratio against 88.04%.
1.24% delinquency ratio against 1.17%.
1.60% return on assets against 1.10%; 13.51% return on equity against 9.22%.
3.77% net interest margin against 3.70%.
134,555 members against 131,008.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 11.83% | 1.60% | 1.24% | 77.49% |
| March 31, 2026 | 11.66% | 0.47% | 1.05% | 79.86% |
| December 31, 2025 | 11.73% | 0.76% | 1.34% | 81.37% |
| September 30, 2025 | 11.91% | 1.46% | 1.30% | 85.75% |
| June 30, 2025 | 11.95% | 1.10% | 1.17% | 88.04% |
| March 31, 2025 | 11.78% | -0.62% | 1.02% | 87.55% |
Scroll sideways to see every column.
Watch flags
Loans 60+ days delinquent exceed 1% of the loan book, above the typical credit-union range. Worth watching the trend in coming quarters. BankRegReports early-warning band.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.