Growing Oaks Federal Credit Union Goldsby, Oklahoma
Growing Oaks Federal Credit Union is a federal credit union headquartered in Goldsby, OK (NCUA charter 24919), and it is regulated and insured by the NCUA. At Q2 2026 it reported 504 members and total assets of $4.1M (down 3.6% from Q2 2025), the 48th largest of 51 credit unions headquartered in Oklahoma. Its net worth ratio was 9.54% at Q2 2026, in the well capitalized band.
Also written as Growing Oaks FCU
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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
- 24919
- Headquarters
- Goldsby, OK
- Established
- Not reported
- Total assets, Q2 2026
- $4.1M
- Assets vs Q2 2025
- -3.6%
- Members, Q2 2026
- 504
- Net worth ratio, Q2 2026
- 9.54%
- Latest call report
- Q2 2026, NCUA 5300 · Growing Oaks Federal Credit Union call report
- Asset rank in state
- 48th of 51 in Oklahoma
- Routing number
- 103189967
- Branches
- 2
It has 56 more members than on June 30, 2025 (+12.5%). Its net worth ratio was down 0.77 percentage points from 10.31% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $1.4M of $3.0M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.80% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 9.54% net worth ratio is below that band's 14.31% median.
Credit unions similar in size in Oklahoma
Frequently asked about Growing Oaks Federal Credit Union
How big is Growing Oaks Federal Credit Union?
At Q2 2026 it reported total assets of $4.1M and 504 members.
Where is Growing Oaks Federal Credit Union headquartered?
It is headquartered in Goldsby, OK, United States.
Is Growing Oaks Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 24919): 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 Growing Oaks Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Growing Oaks Federal Credit Union well capitalized?
Its net worth ratio was 9.54% 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 Growing Oaks Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.80% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Growing Oaks Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 83.39% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Goldsby, OK 73093
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- NCUA Charter #
- 24919
- RSSD ID
- 5544509
- Members
- 504
- Potential members
- 1,362,934
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 1.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 9.54% | 14.31% | 13th bottom |
| Return on assets Middle half of peers: 0.16% to 1.30% | 6.34% | 0.72% | over 90th top |
| Return on equity Middle half of peers: 1.04% to 8.69% | 66.50% | 4.74% | over 90th top |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 4.47% | 3.93% | 73rd above |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 68.24% | 79.83% | 75th above |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 1.09% | 0.78% | 33rd below |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 0.80% | 0.86% | 53rd above |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 5.56% | 4.70% | 80th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 83.39% | 58.92% | 84th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$4.1M total assets against $4.2M; $3.6M total shares and deposits against $3.7M; $3.0M total loans against $2.9M.
$389K net worth against $436K.
9.54% net worth ratio against 10.31%.
83.39% loan-to-share ratio against 77.99%.
0.80% delinquency ratio against 2.34%.
6.34% return on assets against 6.43%; 66.50% return on equity against 62.37%.
4.47% net interest margin against 3.61%.
504 members against 448.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 9.54% | 6.34% | 0.80% | 83.39% |
| March 31, 2026 | 8.39% | -6.47% | 0.16% | 80.21% |
| December 31, 2025 | 10.20% | -8.52% | 0.09% | 84.35% |
| September 30, 2025 | 11.95% | 3.22% | 0.23% | 79.91% |
| June 30, 2025 | 10.31% | 6.43% | 2.34% | 77.99% |
| March 31, 2025 | 10.58% | -4.24% | 2.98% | 70.32% |
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.