Oklahoma Central Credit Union Tulsa, Oklahoma
Oklahoma Central Credit Union is a state-chartered credit union headquartered in Tulsa, OK, established in 1941 (NCUA charter 62322), and it is regulated and insured by the NCUA. At Q2 2026 it reported 43,241 members and total assets of $760.2M (up 6.8% from Q2 2025), the 8th largest of 51 credit unions headquartered in Oklahoma. Its net worth ratio was 13.94% at Q2 2026, in the well capitalized band.
Also written as Oklahoma Central CU
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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
- 62322
- Headquarters
- Tulsa, OK
- Established
- 1941
- Total assets, Q2 2026
- $760.2M
- Assets vs Q2 2025
- +6.8%
- Members, Q2 2026
- 43,241
- Net worth ratio, Q2 2026
- 13.94%
- Latest call report
- Q2 2026, NCUA 5300 · Oklahoma Central Credit Union call report
- Asset rank in state
- 8th of 51 in Oklahoma
- Routing number
- 303986096
- Branches
- 9
It has 488 more members than on June 30, 2025 (+1.1%). Its net worth ratio was down 0.32 percentage points from 14.26% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $115.1M of $349.1M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.24% is below the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 13.94% net worth ratio is above that band's 11.43% median.
Credit unions similar in size in Oklahoma
Frequently asked about Oklahoma Central Credit Union
How big is Oklahoma Central Credit Union?
At Q2 2026 it reported total assets of $760.2M and 43,241 members.
Where is Oklahoma Central Credit Union headquartered?
It is headquartered in Tulsa, OK, United States.
When was Oklahoma Central Credit Union founded?
It was established in 1941, per NCUA records.
Is Oklahoma Central Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 62322): 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 Oklahoma Central Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Oklahoma Central Credit Union well capitalized?
Its net worth ratio was 13.94% 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 Oklahoma Central Credit Union's delinquency ratio?
Its delinquency ratio was 0.24% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Oklahoma Central Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 52.63% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Tulsa, OK 74146
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1941
- NCUA Charter #
- 62322
- RSSD ID
- 218793
- Members
- 43,241
- Potential members
- 212,500
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.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 13.58% | 13.94% | 11.43% | 77th top |
| Return on assets Middle half of peers: 0.43% to 1.23% | 0.67% | 0.81% | 41st below |
| Return on equity Middle half of peers: 3.87% to 9.84% | 4.80% | 7.02% | 32nd below |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 3.60% | 3.70% | 44th below |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 81.96% | 76.55% | 31st below |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 1.24% | 1.24% | 50th above |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 0.24% | 0.68% | 87th top |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 4.83% | 4.92% | 44th position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 52.63% | 75.66% | 13th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$760.2M total assets against $712.0M; $663.4M total shares and deposits against $620.5M; $349.1M total loans against $324.4M.
$106.0M net worth against $101.6M.
13.94% net worth ratio against 14.26%.
52.63% loan-to-share ratio against 52.28%.
0.24% delinquency ratio against 0.18%.
0.67% return on assets against 0.90%; 4.80% return on equity against 6.34%.
3.60% net interest margin against 3.54%.
43,241 members against 42,753.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 13.94% | 0.67% | 0.24% | 52.63% |
| March 31, 2026 | 13.76% | 0.42% | 0.18% | 49.78% |
| December 31, 2025 | 14.27% | 0.45% | 0.21% | 52.26% |
| September 30, 2025 | 14.36% | 0.87% | 0.22% | 52.60% |
| June 30, 2025 | 14.26% | 0.90% | 0.18% | 52.28% |
| March 31, 2025 | 14.12% | 0.59% | 0.25% | 51.11% |
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.