TellerScore

Headquartered in Oklahoma City, Oklahoma, Allegiance Federal Credit Union is a federal credit union with $372.5M in total assets and $336.3M in member shares and deposits as of Q2 2026. It operates 5 offices. Its charter dates back to 1963.

Based on its Q2 2026 filing, Allegiance Federal Credit Union scores 66/100, which we describe as moderate. That is higher than only 37% of 1,341 credit unions with $100 million – $1 billion. Among 52 credit unions headquartered in Oklahoma, it ranks 35th. Its strongest component is problem-loan coverage (89/100; 5.7%), and its lowest is capital cushion (47/100; 9.67%).

TellerScore · Q2 2026

Scorecard

Capital cushion47/100
Net worth ratio: 9.67%
Loan quality76/100
Loans 60+ days delinquent ÷ total loans: 0.71%
Earnings55/100
Return on assets (annualized): 0.87%
Funding & liquidity85/100
Loans ÷ shares: 75.4% · 6.4% uninsured
Problem-loan coverage89/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 5.69%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 7 points (59 → 66), mostly because the earnings component improved by 19 points.

TellerScore
576266Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202458
Q3 202457
Q4 202459
Q1 202560
Q2 202559
Q3 202564
Q4 202565
Q1 202665
Q2 202666
Net worth ratio
7.00%8.33%9.67%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.67%
Q3 20248.73%
Q4 20248.88%
Q1 20258.73%
Q2 20258.96%
Q3 20259.38%
Q4 20259.39%
Q1 20269.38%
Q2 20269.67%
Delinquent loans (60+ days)
0.45%0.66%0.88%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.71%
Q3 20240.88%
Q4 20240.75%
Q1 20250.56%
Q2 20250.74%
Q3 20250.62%
Q4 20250.60%
Q1 20260.45%
Q2 20260.71%
Return on assets
0.34%0.60%0.87%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.43%
Q3 20240.47%
Q4 20240.48%
Q1 20250.34%
Q2 20250.39%
Q3 20250.82%
Q4 20250.81%
Q1 20260.57%
Q2 20260.87%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202666$372.5M9.67%0.71%0.87%75.4%
Q1 202665$372.3M9.38%0.45%0.57%76.1%
Q4 202565$366.2M9.39%0.60%0.81%78.4%
Q3 202564$358.4M9.38%0.62%0.82%81.3%
Q2 202559$358.6M8.96%0.74%0.39%77.3%
Q1 202560$363.5M8.73%0.56%0.34%76.2%
Q4 202459$353.8M8.88%0.75%0.48%80.1%
Q3 202457$354.7M8.73%0.88%0.47%81.1%
Q2 202458$351.6M8.67%0.71%0.43%82.5%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.67%
23rd
Problem loans0.71%
48th
Net charge-offs0.32%
54th
Return on assets0.87%
59th
Loans to deposits75.4%
51st
Uninsured deposits6.4%
45th
Loan-loss reserves0.00%
50th
Texas ratio5.7%
34th

Similar-size credit unions in Oklahoma

InstitutionScoreAssetsCapitalProblem loansCompare
Fort Sill Federal Credit UnionCredit union Lawton, OK70 out of 100, Strong$394.2M11.6%1.12%vs
Oklahoma Educators Credit UnionCredit union Oklahoma City, OK72 out of 100, Strong$305.2M11.3%0.51%vs
Energy One Federal Credit UnionCredit union Tulsa, OK62 out of 100, Moderate$300.7M11.3%1.76%vs
Red Crown Federal Credit UnionCredit union Tulsa, OK66 out of 100, Moderate$256.7M10.7%0.41%vs
Okunity Federal Credit UnionCredit union Stillwater, OK72 out of 100, Strong$214.7M12.3%0.48%vs
U. S. Employees O. C. Federal Credit UnionCredit union Oklahoma City, OK85 out of 100, Very strong$213.5M16.3%0.20%vs

Deposit insurance

Is my money safe at Allegiance Federal Credit Union?

Yes. Allegiance Federal Credit Union is a federally insured credit union (NCUA charter #24936). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 6.4% of shares and deposits ($21.7M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 9.67%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

5 locations

Branches

Allegiance Federal Credit Union lists 5 offices in 2 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Allegiance Federal Credit Union reported 306 home-loan applications under HMDA (LEI 5493007U8EFNQS3VJQ70): 150 originated ($20,950,000 total), 53 denied, and 77 withdrawn or closed by the applicant. Its denial rate on decided applications was 23.1%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Allegiance Federal Credit Union
Type
Federal credit union
NCUA charter #
24936
RSSD ID
336099
Primary regulator
NCUA
Established
1963
Headquarters
PO Box 57020, Oklahoma City, OK 73157
Employees
75

Quick answers

Allegiance Federal Credit Union: common questions

Is Allegiance Federal Credit Union NCUA insured?

Yes. Allegiance Federal Credit Union is a federally insured credit union (NCUA charter #24936). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Allegiance Federal Credit Union's TellerScore?

66 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Allegiance Federal Credit Union have?

5 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Oklahoma City

InstitutionScoreAssetsCapitalProblem loansCompare
Oklahoma Federal Credit UnionCredit union Oklahoma City, OK91 out of 100, Very strong$198.9M20.2%0.24%vs
International Bank of CommerceBank Oklahoma City, OK88 out of 100, Very strong$1.6B15.5%0.66%vs
Correctional Workers Federal Credit UnionCredit union El Reno, OK88 out of 100, Very strong$10.5M17.9%0.19%vs
Bank 7Bank Oklahoma City, OK86 out of 100, Very strong$1.9B13.9%0.39%vs
Sooner State BankBank Tuttle, OK86 out of 100, Very strong$354.6M12.8%0.33%vs
U. S. Employees O. C. Federal Credit UnionCredit union Oklahoma City, OK85 out of 100, Very strong$213.5M16.3%0.20%vs