Oak Cliff Christian Federal Credit Union Dallas, Texas
Oak Cliff Christian Federal Credit Union is a federal credit union headquartered in Dallas, TX, established in 2009 (NCUA charter 24804), and it is regulated and insured by the NCUA. At Q2 2026 it reported 1,519 members and total assets of $7.8M (up 11.6% from Q2 2025), the 316th largest of 377 credit unions headquartered in Texas. Its net worth ratio was 7.22% at Q2 2026, in the well capitalized band.
Also written as Oak Cliff Christian 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
- 24804
- Headquarters
- Dallas, TX
- Established
- 2009
- Total assets, Q2 2026
- $7.8M
- Assets vs Q2 2025
- +11.6%
- Members, Q2 2026
- 1,519
- Net worth ratio, Q2 2026
- 7.22%
- Latest call report
- Q2 2026, NCUA 5300 · Oak Cliff Christian Federal Credit Union call report
- Asset rank in state
- 316th of 377 in Texas
- Routing number
- 111094235
- Branches
- 1
It has 4 fewer members than on June 30, 2025 (-0.3%). Its net worth ratio was up 1.36 percentage points from 5.86% on June 30, 2025. Used vehicle loans are its largest loan category, $4.4M of $6.2M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.78% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 7.22% net worth ratio is below that band's 14.31% median.
Credit unions similar in size in Texas
Frequently asked about Oak Cliff Christian Federal Credit Union
How big is Oak Cliff Christian Federal Credit Union?
At Q2 2026 it reported total assets of $7.8M and 1,519 members.
Where is Oak Cliff Christian Federal Credit Union headquartered?
It is headquartered in Dallas, TX, United States.
When was Oak Cliff Christian Federal Credit Union founded?
It was established in 2009, per NCUA records.
Is Oak Cliff Christian Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 24804): 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 Oak Cliff Christian Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Oak Cliff Christian Federal Credit Union well capitalized?
Its net worth ratio was 7.22% 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 Oak Cliff Christian Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.78% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Oak Cliff Christian Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 85.88% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Dallas, TX 75232
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 2009
- NCUA Charter #
- 24804
- RSSD ID
- 3828401
- Members
- 1,519
- Potential members
- 10,000
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 3 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% | 7.22% | 14.31% | under 10th bottom |
| Return on assets Middle half of peers: 0.16% to 1.30% | 0.70% | 0.72% | 49th below |
| Return on equity Middle half of peers: 1.04% to 8.69% | 9.69% | 4.74% | 79th top |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 5.64% | 3.93% | over 90th top |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 78.77% | 79.83% | 52nd above |
| Cost of funds Middle half of peers: 0.37% to 1.23% | -0.32% | 0.78% | over 90th top |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 0.78% | 0.86% | 54th above |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 5.32% | 4.70% | 75th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 85.88% | 58.92% | 86th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$7.8M total assets against $7.0M; $7.2M total shares and deposits against $6.4M; $6.2M total loans against $6.0M.
$561K net worth against $408K.
7.22% net worth ratio against 5.86%.
85.88% loan-to-share ratio against 93.26%.
0.78% delinquency ratio.
0.70% return on assets against 0.80%; 9.69% return on equity against 13.59%.
5.64% net interest margin against 3.69%.
1,519 members against 1,523.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 7.22% | 0.70% | 0.78% | 85.88% |
| March 31, 2026 | 6.93% | 1.12% | — | 86.54% |
| December 31, 2025 | 6.85% | 0.89% | — | 87.03% |
| September 30, 2025 | 7.01% | 5.53% | 0.15% | 89.62% |
| June 30, 2025 | 5.86% | 0.80% | — | 93.26% |
| March 31, 2025 | 5.62% | 0.71% | 0.05% | 92.48% |
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.