Credit Union Safety Analysis
Is Communication Federal Credit Union Safe? Oklahoma City, Oklahoma
Based on its Q2 2026 NCUA 5300 call report, Communication Federal Credit Union has a net worth ratio of 11.83%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.24%, 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, Communication Federal Credit Union's net worth ratio is 11.83%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 11.83%
- Delinquency ratio (60+ days) (Q2 2026): 1.24%
- Return on assets (Q2 2026): 1.60%
- Loan-to-share ratio (Q2 2026): 77.49%
Communication Federal Credit Union (NCUA charter 3454, established 1939) reported $2.38B in assets and 134,555 members for Q2 2026 from Oklahoma City, Oklahoma. It ranks 3 of 51 credit unions in Oklahoma by total assets. Total assets grew 9.4% from $2.18B on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 454 credit unions with $1B to $10B in assets: 10.89%; middle half of peers: 9.81% to 12.63%.
Earlier filings: 11.66% for Q1 2026; 11.95% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.68%; middle half of peers: 0.45% to 1.05%.
Earlier filings: 1.05% for Q1 2026; 1.17% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.89%; middle half of peers: 0.59% to 1.25%.
Earlier filings: 0.47% for Q1 2026; 1.10% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 88.03%; middle half of peers: 78.23% to 95.19%.
Earlier filings: 79.86% for Q1 2026; 88.04% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $849.6M
- 1- to 4-family residential and other consumer real estate loans: $403.8M
- New vehicle loans: $286.0M
- Other unsecured loans and lines of credit: $28.6M
- Unsecured credit card loans: $16.0M
- Other secured non-real estate loans and lines of credit: $8.8M
- Commercial loans: $5.7M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $2.38B | 11.83% | 1.24% | 1.60% | 77.49% |
| March 31, 2026 | $2.34B | 11.66% | 1.05% | 0.47% | 79.86% |
| December 31, 2025 | $2.29B | 11.73% | 1.34% | 0.76% | 81.37% |
| September 30, 2025 | $2.25B | 11.91% | 1.30% | 1.46% | 85.75% |
| June 30, 2025 | $2.18B | 11.95% | 1.17% | 1.10% | 88.04% |
| March 31, 2025 | $2.16B | 11.78% | 1.02% | -0.62% | 87.55% |
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Free to use. It shows Communication Federal Credit Union’s latest filed figures and updates each quarter.
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.
Communication Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 3454) · FFIEC NIC profile (RSSD 603670)
Frequently asked questions
Is Communication Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Communication Federal Credit Union's net worth ratio is 11.83%, above the 7% NCUA threshold for well capitalized.
Is Communication Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Communication Federal Credit Union is a federally insured credit union (NCUA charter 3454): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Communication Federal Credit Union's key safety ratios?
For Q2 2026, Communication Federal Credit Union reports net worth 11.83%, delinquency 1.24%, ROA 1.60%, loan-to-share 77.49%.
What happens to my money if Communication Federal Credit Union fails?
For Q2 2026, Communication Federal Credit Union held $2.06B in shares and deposits for 134,555 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.