Credit Union Safety Analysis
Is Southwest Oklahoma Federal Credit Union Safe? Lawton, Oklahoma
Based on its Q2 2026 NCUA 5300 call report, Southwest Oklahoma Federal Credit Union has a net worth ratio of 19.32%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.88%, 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, Southwest Oklahoma Federal Credit Union's net worth ratio is 19.32%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 19.32%
- Delinquency ratio (60+ days) (Q2 2026): 0.88%
- Return on assets (Q2 2026): 2.15%
- Loan-to-share ratio (Q2 2026): 79.28%
Southwest Oklahoma Federal Credit Union (NCUA charter 12271, established 1958) reported $116.4M in assets and 4,818 members for Q2 2026 from Lawton, Oklahoma. It ranks 24 of 51 credit unions in Oklahoma by total assets. Total assets grew 0.2% from $116.2M on June 30, 2025. It has 108 fewer members than on June 30, 2025 (-2.2%). Its net worth ratio was up 1.91 percentage points from 17.41% on June 30, 2025. Used vehicle loans are its largest loan category, $23.0M of $74.6M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.88% is above 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: 18.64% for Q1 2026; 17.41% 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: 0.63% for Q1 2026; 0.76% 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: 1.84% for Q1 2026; 1.91% 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: 78.36% for Q1 2026; 72.50% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $23.0M
- New vehicle loans: $19.8M
- 1- to 4-family residential and other consumer real estate loans: $16.2M
- Other unsecured loans and lines of credit: $11.4M
- Other secured non-real estate loans and lines of credit: $3.2M
- Unsecured credit card loans: $663K
- Commercial loans: $356K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $116.4M | 19.32% | 0.88% | 2.15% | 79.28% |
| March 31, 2026 | $117.3M | 18.64% | 0.63% | 1.84% | 78.36% |
| December 31, 2025 | $116.2M | 18.36% | 0.77% | 1.90% | 78.20% |
| September 30, 2025 | $116.6M | 17.83% | 0.99% | 1.89% | 76.49% |
| June 30, 2025 | $116.2M | 17.41% | 0.76% | 1.91% | 72.50% |
| March 31, 2025 | $114.1M | 17.25% | 1.05% | 1.66% | 71.76% |
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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.
Southwest Oklahoma Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 12271) · FFIEC NIC profile (RSSD 415789)
Frequently asked questions
Is Southwest Oklahoma Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Southwest Oklahoma Federal Credit Union's net worth ratio is 19.32%, above the 7% NCUA threshold for well capitalized.
Is Southwest Oklahoma Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Southwest Oklahoma Federal Credit Union is a federally insured credit union (NCUA charter 12271): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Southwest Oklahoma Federal Credit Union's key safety ratios?
For Q2 2026, Southwest Oklahoma Federal Credit Union reports net worth 19.32%, delinquency 0.88%, ROA 2.15%, loan-to-share 79.28%.
What happens to my money if Southwest Oklahoma Federal Credit Union fails?
For Q2 2026, Southwest Oklahoma Federal Credit Union held $94.1M in shares and deposits for 4,818 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.