Credit Union One of Oklahoma Oklahoma City, Oklahoma
Credit Union One of Oklahoma is a state-chartered credit union headquartered in Oklahoma City, OK, established in 1949 (NCUA charter 64850), and it is regulated and insured by the NCUA. At Q2 2026 it reported 3,407 members and total assets of $39.9M (down 4.5% from Q2 2025), the 34th largest of 51 credit unions headquartered in Oklahoma. Its net worth ratio was 14.87% at Q2 2026, in the well capitalized band.
BankRegReports is independent of Credit Union One of Oklahoma and never asks for online banking logins or passwords.
Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 64850
- Headquarters
- Oklahoma City, OK
- Established
- 1949
- Total assets, Q2 2026
- $39.9M
- Assets vs Q2 2025
- -4.5%
- Members, Q2 2026
- 3,407
- Net worth ratio, Q2 2026
- 14.87%
- Latest call report
- Q2 2026, NCUA 5300 · Credit Union One of Oklahoma call report
- Asset rank in state
- 34th of 51 in Oklahoma
- Routing number
- 303085191
- Branches
- 3
It has 310 fewer members than on June 30, 2025 (-8.3%). Its net worth ratio was up 0.71 percentage points from 14.16% on June 30, 2025. Used vehicle loans are its largest loan category, $14.1M of $29.3M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.75% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 14.87% net worth ratio is above that band's 14.31% median.
Credit unions similar in size in Oklahoma
Frequently asked about Credit Union One of Oklahoma
How big is Credit Union One of Oklahoma?
At Q2 2026 it reported total assets of $39.9M and 3,407 members.
Where is Credit Union One of Oklahoma headquartered?
It is headquartered in Oklahoma City, OK, United States.
When was Credit Union One of Oklahoma founded?
It was established in 1949, per NCUA records.
Is Credit Union One of Oklahoma FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 64850): 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 Credit Union One of Oklahoma?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Credit Union One of Oklahoma well capitalized?
Its net worth ratio was 14.87% 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 Credit Union One of Oklahoma's delinquency ratio?
Its delinquency ratio was 1.75% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Credit Union One of Oklahoma's loan-to-share ratio?
Its loan-to-share ratio was 86.96% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Oklahoma City, OK 73105
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1949
- NCUA Charter #
- 64850
- RSSD ID
- 238698
- Members
- 3,407
- Potential members
- 10,221
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 2 of 7 ranked measures and in the bottom quartile on 3.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 14.87% | 14.31% | 53rd above |
| Return on assets Middle half of peers: 0.16% to 1.30% | -0.21% | 0.72% | 19th bottom |
| Return on equity Middle half of peers: 1.04% to 8.69% | -1.42% | 4.74% | 19th bottom |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 5.20% | 3.93% | over 90th top |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 91.87% | 79.83% | 25th bottom |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.22% | 0.78% | 86th top |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 1.75% | 0.86% | 29th below |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 5.42% | 4.70% | 77th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 86.96% | 58.92% | 88th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$39.9M total assets against $41.8M; $33.7M total shares and deposits against $35.8M; $29.3M total loans against $29.4M.
$5.9M net worth against $5.9M.
14.87% net worth ratio against 14.16%.
86.96% loan-to-share ratio against 82.16%.
1.75% delinquency ratio against 0.76%.
-0.21% return on assets against 0.68%; -1.42% return on equity against 4.77%.
5.20% net interest margin against 5.45%.
3,407 members against 3,717.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 14.87% | -0.21% | 1.75% | 86.96% |
| March 31, 2026 | 15.09% | 0.39% | 1.78% | 86.46% |
| December 31, 2025 | 14.64% | 0.35% | 0.41% | 82.82% |
| September 30, 2025 | 14.72% | 0.48% | 0.79% | 81.58% |
| June 30, 2025 | 14.16% | 0.68% | 0.76% | 82.16% |
| March 31, 2025 | 14.00% | 0.66% | 0.59% | 81.43% |
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.
The credit union posted negative net income relative to assets in its latest filing. Credit unions build net worth only through retained earnings, so sustained losses gradually weaken capital. BankRegReports flag, negative earnings.
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.