TellerScore

Cherokee Strip Credit Union is a federally insured state-chartered credit union headquartered in Ponca City, Oklahoma, in business for about 93 years. At the end of Q2 2026 it reported $106.0M in total assets and $94.7M in member shares and deposits, with 3 offices.

Cherokee Strip Credit Union has a TellerScore of 60 out of 100 (moderate) based on Q2 2026 data — higher than only 21% of its 1,341 credit unions with $100 million – $1 billion. Among 52 credit unions headquartered in Oklahoma, it ranks 41st. Problem-loan coverage contributes the most (91/100, 4.6%); earnings contributes the least (13/100, -0.17%).

TellerScore · Q2 2026

Scorecard

Capital cushion49/100
Net worth ratio: 9.86%
Loan quality82/100
Loans 60+ days delinquent ÷ total loans: 0.55%
Earnings13/100
Return on assets (annualized): -0.17%
Funding & liquidity90/100
Loans ÷ shares: 70.7% · 10.6% uninsured
Problem-loan coverage91/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 4.56%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (61 → 60).

TellerScore
566268Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202459
Q3 202457
Q4 202458
Q1 202558
Q2 202561
Q3 202566
Q4 202568
Q1 202656
Q2 202660
Net worth ratio
7.00%8.86%10.72%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.15%
Q3 20249.67%
Q4 20249.99%
Q1 20259.57%
Q2 202510.24%
Q3 202510.60%
Q4 202510.72%
Q1 202610.28%
Q2 20269.86%
Delinquent loans (60+ days)
0.13%0.55%0.97%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.97%
Q3 20240.43%
Q4 20240.33%
Q1 20250.20%
Q2 20250.33%
Q3 20250.13%
Q4 20250.21%
Q1 20260.75%
Q2 20260.55%
Return on assets
-1.22%-0.43%0.37%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.34%
Q3 2024-0.74%
Q4 2024-0.57%
Q1 2025-1.22%
Q2 2025-0.13%
Q3 20250.13%
Q4 20250.37%
Q1 2026-0.55%
Q2 2026-0.17%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202660$106.0M9.86%0.55%-0.17%70.7%
Q1 202656$101.2M10.28%0.75%-0.55%75.8%
Q4 202568$98.2M10.72%0.21%0.37%87.6%
Q3 202566$96.8M10.60%0.13%0.13%86.4%
Q2 202561$98.7M10.24%0.33%-0.13%88.3%
Q1 202558$102.9M9.57%0.20%-1.22%80.7%
Q4 202458$101.8M9.99%0.33%-0.57%83.1%
Q3 202457$105.0M9.67%0.43%-0.74%78.0%
Q2 202459$107.6M10.15%0.97%0.34%79.1%

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 ratio9.86%
26th
Problem loans0.55%
60th
Net charge-offs1.36%
5th
Return on assets-0.17%
3rd
Loans to deposits70.7%
60th
Uninsured deposits10.6%
15th
Loan-loss reserves0.00%
50th
Texas ratio4.6%
44th

Similar-size credit unions in Oklahoma

InstitutionScoreAssetsCapitalProblem loansCompare
Muskogee Federal Credit UnionCredit union Muskogee, OK87 out of 100, Very strong$112.0M12.8%0.58%vs
Southwest Oklahoma Federal Credit UnionCredit union Lawton, OK89 out of 100, Very strong$116.4M19.3%0.88%vs
First Family Federal Credit UnionCredit union Henryetta, OK68 out of 100, Moderate$154.4M11.6%0.62%vs
Green Country Federal Credit UnionCredit union Sand Springs, OK32 out of 100, Low$155.4M8.5%2.75%vs
The Focus Federal Credit UnionCredit union Oklahoma City, OK57 out of 100, Moderate$163.2M9.0%0.45%vs
Red River Federal Credit UnionCredit union Altus, OK79 out of 100, Strong$168.4M12.1%0.28%vs

Deposit insurance

Is my money safe at Cherokee Strip Credit Union?

Yes. Cherokee Strip Credit Union is a federally insured credit union (NCUA charter #64281). 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 10.6% of shares and deposits ($10.1M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 9.86%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Cherokee Strip Credit Union lists 3 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Cherokee Strip Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
64281
RSSD ID
90092
Primary regulator
State + NCUA
Established
1933
Headquarters
1508 East Prospect, Ponca City, OK 74604
Employees
38

Quick answers

Cherokee Strip Credit Union: common questions

Is Cherokee Strip Credit Union NCUA insured?

Yes. Cherokee Strip Credit Union is a federally insured credit union (NCUA charter #64281). 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 Cherokee Strip Credit Union's TellerScore?

60 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 Cherokee Strip Credit Union have?

3 offices as of the latest NCUA data.

Nearby

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

InstitutionScoreAssetsCapitalProblem loansCompare
The City National Bank and Trust Company of Lawton, OklahomaBank Lawton, OK83 out of 100, Strong$446.2M13.9%0.45%vs
RCB BankBank Claremore, OK72 out of 100, Strong$4.0B10.7%0.94%vs
BancFirstBank Oklahoma City, OK71 out of 100, Strong$12.8B10.6%1.19%vs
Stride Bank, National AssociationBank Enid, OK69 out of 100, Moderate$5.4B8.4%0.48%vs
First National Bank of OklahomaBank Oklahoma City, OK66 out of 100, Moderate$949.9M10.5%1.39%vs
Equity BankBank Andover, KS65 out of 100, Moderate$7.7B10.6%1.18%vs