Endurance Federal Credit Union Duncan, Oklahoma
Endurance Federal Credit Union is a federal credit union headquartered in Duncan, OK, established in 1960 (NCUA charter 13898), and it is regulated and insured by the NCUA. At Q2 2026 it reported 13,200 members and total assets of $196.5M (up 5.8% from Q2 2025), the 17th largest of 51 credit unions headquartered in Oklahoma. Its net worth ratio was 13.69% at Q2 2026, in the well capitalized band.
Also written as Endurance FCU · Trade name filed with the NCUA: EFCU
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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
- 13898
- Headquarters
- Duncan, OK
- Established
- 1960
- Total assets, Q2 2026
- $196.5M
- Assets vs Q2 2025
- +5.8%
- Members, Q2 2026
- 13,200
- Net worth ratio, Q2 2026
- 13.69%
- Latest call report
- Q2 2026, NCUA 5300 · Endurance Federal Credit Union call report
- Asset rank in state
- 17th of 51 in Oklahoma
- Routing number
- 303184762
- Branches
- 4
It has 279 fewer members than on June 30, 2025 (-2.1%). Its net worth ratio was down 0.12 percentage points from 13.81% on June 30, 2025. Used vehicle loans are its largest loan category, $57.9M of $112.0M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.21% is below the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 13.69% net worth ratio is above that band's 11.43% median.
Credit unions similar in size in Oklahoma
Frequently asked about Endurance Federal Credit Union
How big is Endurance Federal Credit Union?
At Q2 2026 it reported total assets of $196.5M and 13,200 members.
Where is Endurance Federal Credit Union headquartered?
It is headquartered in Duncan, OK, United States.
When was Endurance Federal Credit Union founded?
It was established in 1960, per NCUA records.
Is Endurance Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 13898): 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 Endurance Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Endurance Federal Credit Union well capitalized?
Its net worth ratio was 13.69% 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 Endurance Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.21% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Endurance Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 66.44% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Duncan, OK 73533
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1960
- NCUA Charter #
- 13898
- RSSD ID
- 564584
- Members
- 13,200
- Potential members
- 39,600
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 1,341 credit unions with $100M to $1B in assets, as of Q2 2026. It is in the top quartile on 2 of 7 ranked measures and in the bottom quartile on 1.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 13.58% | 13.69% | 11.43% | 76th top |
| Return on assets Middle half of peers: 0.43% to 1.23% | 0.84% | 0.81% | 52nd above |
| Return on equity Middle half of peers: 3.87% to 9.84% | 6.13% | 7.02% | 43rd below |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 2.97% | 3.70% | 12th bottom |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 76.19% | 76.55% | 51st above |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 1.40% | 1.24% | 37th below |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 0.21% | 0.68% | 89th top |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 4.37% | 4.92% | 18th position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 66.44% | 75.66% | 33rd position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$196.5M total assets against $185.8M; $168.5M total shares and deposits against $159.1M; $112.0M total loans against $110.1M.
$26.9M net worth against $25.7M.
13.69% net worth ratio against 13.81%.
66.44% loan-to-share ratio against 69.20%.
0.21% delinquency ratio against 0.28%.
0.84% return on assets against 1.56%; 6.13% return on equity against 11.30%.
2.97% net interest margin against 2.92%.
13,200 members against 13,479.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 13.69% | 0.84% | 0.21% | 66.44% |
| March 31, 2026 | 13.39% | 0.56% | 0.18% | 62.95% |
| December 31, 2025 | 13.79% | 0.66% | 0.26% | 67.86% |
| September 30, 2025 | 14.03% | 0.58% | 0.17% | 67.08% |
| June 30, 2025 | 13.81% | 1.56% | 0.28% | 69.20% |
| March 31, 2025 | 13.37% | 0.53% | 0.29% | 66.09% |
Scroll sideways to see every column.
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.