Credit Union Safety Analysis
Is Oklahoma Educators Credit Union Safe? Oklahoma City, Oklahoma
Based on its Q2 2026 NCUA 5300 call report, Oklahoma Educators Credit Union has a net worth ratio of 11.26%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.51%, 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, Oklahoma Educators Credit Union's net worth ratio is 11.26%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 11.26%
- Delinquency ratio (60+ days) (Q2 2026): 0.51%
- Return on assets (Q2 2026): 0.66%
- Loan-to-share ratio (Q2 2026): 65.22%
Oklahoma Educators Credit Union (NCUA charter 61088, established 1960) reported $305.2M in assets and 11,106 members for Q2 2026 from Oklahoma City, Oklahoma. It ranks 11 of 51 credit unions in Oklahoma by total assets. Total assets grew 28.0% from $238.4M on June 30, 2025. It has 1,218 fewer members than on June 30, 2025 (-9.9%). Its net worth ratio was down 2.31 percentage points from 13.57% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $95.9M of $156.8M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.51% is below the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 10.74% for Q1 2026; 13.57% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 0.58% for Q1 2026; 0.73% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 0.64% for Q1 2026; 1.05% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 63.33% for Q1 2026; 90.69% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $95.9M
- Used vehicle loans: $51.2M
- New vehicle loans: $4.6M
- Other secured non-real estate loans and lines of credit: $3.0M
- Unsecured credit card loans: $1.7M
- Other unsecured loans and lines of credit: $449K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $305.2M | 11.26% | 0.51% | 0.66% | 65.22% |
| March 31, 2026 | $315.3M | 10.74% | 0.58% | 0.64% | 63.33% |
| December 31, 2025 | $303.5M | 10.99% | 0.75% | 0.66% | 68.33% |
| September 30, 2025 | $276.4M | 11.88% | 0.63% | 0.73% | 84.72% |
| June 30, 2025 | $238.4M | 13.57% | 0.73% | 1.05% | 90.69% |
| March 31, 2025 | $207.1M | 15.31% | 0.67% | 0.73% | 98.02% |
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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.
Oklahoma Educators Credit Union profile
Regulator records: NCUA credit union profile (charter 61088) · FFIEC NIC profile (RSSD 398695)
Frequently asked questions
Is Oklahoma Educators Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Oklahoma Educators Credit Union's net worth ratio is 11.26%, above the 7% NCUA threshold for well capitalized.
Is Oklahoma Educators Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Oklahoma Educators Credit Union is a federally insured credit union (NCUA charter 61088): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Oklahoma Educators Credit Union's key safety ratios?
For Q2 2026, Oklahoma Educators Credit Union reports net worth 11.26%, delinquency 0.51%, ROA 0.66%, loan-to-share 65.22%.
What happens to my money if Oklahoma Educators Credit Union fails?
For Q2 2026, Oklahoma Educators Credit Union held $240.4M in shares and deposits for 11,106 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.