Credit Union Safety Analysis
Is Credit Union One of Oklahoma Safe? Oklahoma City, Oklahoma
Based on its Q2 2026 NCUA 5300 call report, Credit Union One of Oklahoma has a net worth ratio of 14.87%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.75%, 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, Credit Union One of Oklahoma's net worth ratio is 14.87%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 14.87%
- Delinquency ratio (60+ days) (Q2 2026): 1.75%
- Return on assets (Q2 2026): -0.21%
- Loan-to-share ratio (Q2 2026): 86.96%
Credit Union One of Oklahoma (NCUA charter 64850, established 1949) reported $39.9M in assets and 3,407 members for Q2 2026 from Oklahoma City, Oklahoma. It ranks 34 of 51 credit unions in Oklahoma by total assets. Total assets fell 4.5% from $41.8M on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 15.09% for Q1 2026; 14.16% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 1.78% for Q1 2026; 0.76% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 0.39% for Q1 2026; 0.68% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 86.46% for Q1 2026; 82.16% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $14.1M
- 1- to 4-family residential and other consumer real estate loans: $6.0M
- New vehicle loans: $5.9M
- Other secured non-real estate loans and lines of credit: $1.3M
- Other unsecured loans and lines of credit: $1.3M
- Unsecured credit card loans: $816K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $39.9M | 14.87% | 1.75% | -0.21% | 86.96% |
| March 31, 2026 | $39.4M | 15.09% | 1.78% | 0.39% | 86.46% |
| December 31, 2025 | $40.4M | 14.64% | 0.41% | 0.35% | 82.82% |
| September 30, 2025 | $40.5M | 14.72% | 0.79% | 0.48% | 81.58% |
| June 30, 2025 | $41.8M | 14.16% | 0.76% | 0.68% | 82.16% |
| March 31, 2025 | $41.7M | 14.00% | 0.59% | 0.66% | 81.43% |
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Free to use. It shows Credit Union One of Oklahoma’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.
Credit Union One of Oklahoma profile
Regulator records: NCUA credit union profile (charter 64850) · FFIEC NIC profile (RSSD 238698)
Frequently asked questions
Is Credit Union One of Oklahoma well capitalized?
On its Q2 2026 NCUA 5300 call report, Credit Union One of Oklahoma's net worth ratio is 14.87%, above the 7% NCUA threshold for well capitalized.
Is Credit Union One of Oklahoma FDIC insured?
No. The FDIC insures banks, not credit unions. Credit Union One of Oklahoma is a federally insured credit union (NCUA charter 64850): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Credit Union One of Oklahoma's key safety ratios?
For Q2 2026, Credit Union One of Oklahoma reports net worth 14.87%, delinquency 1.75%, ROA -0.21%, loan-to-share 86.96%.
What happens to my money if Credit Union One of Oklahoma fails?
For Q2 2026, Credit Union One of Oklahoma held $33.7M in shares and deposits for 3,407 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.