TellerScore

Communication Federal Credit Union is a federal credit union headquartered in Oklahoma City, Oklahoma, in business for about 87 years. At the end of Q2 2026 it reported $2.4B in total assets and $2.1B in member shares and deposits, with 18 offices.

Based on its Q2 2026 filing, Communication Federal Credit Union scores 68/100, which we describe as moderate. That is higher than 50% of 454 credit unions with $1 billion – $10 billion. Among 52 credit unions headquartered in Oklahoma, it ranks 33rd. Its strongest component is funding & liquidity (82/100; 77% loans-to-deposits, 16% uninsured), and its lowest is loan quality (59/100; 1.24%).

TellerScore · Q2 2026

Scorecard

Capital cushion68/100
Net worth ratio: 11.83%
Loan quality59/100
Loans 60+ days delinquent ÷ total loans: 1.24%
Earnings61/100
Return on assets (annualized): 1.03%
Funding & liquidity82/100
Loans ÷ shares: 77.5% · 15.6% uninsured
Problem-loan coverage82/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 8.86%

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 (61 → 68), mostly because the earnings component improved by 31 points.

TellerScore
566268Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202466
Q3 202468
Q4 202461
Q1 202556
Q2 202561
Q3 202563
Q4 202563
Q1 202664
Q2 202668
Net worth ratio
7.00%9.75%12.51%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202412.24%
Q3 202412.51%
Q4 202411.73%
Q1 202511.78%
Q2 202511.95%
Q3 202511.91%
Q4 202511.73%
Q1 202611.66%
Q2 202611.83%
Delinquent loans (60+ days)
1.02%1.18%1.34%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.06%
Q3 20241.19%
Q4 20241.17%
Q1 20251.02%
Q2 20251.17%
Q3 20251.30%
Q4 20251.34%
Q1 20261.05%
Q2 20261.24%
Return on assets
-0.62%0.20%1.03%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.64%
Q3 20240.99%
Q4 20240.37%
Q1 2025-0.62%
Q2 20250.24%
Q3 20250.64%
Q4 20250.66%
Q1 20260.47%
Q2 20261.03%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202668$2.4B11.83%1.24%1.03%77.5%
Q1 202664$2.3B11.66%1.05%0.47%79.9%
Q4 202563$2.3B11.73%1.34%0.66%81.4%
Q3 202563$2.3B11.91%1.30%0.64%85.8%
Q2 202561$2.2B11.95%1.17%0.24%88.0%
Q1 202556$2.2B11.78%1.02%-0.62%87.5%
Q4 202461$2.2B11.73%1.17%0.37%87.9%
Q3 202468$2.1B12.51%1.19%0.99%89.7%
Q2 202466$2.1B12.24%1.06%0.64%90.7%

454 peers · $1 billion – $10 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 ratio11.83%
66th
Problem loans1.24%
18th
Net charge-offs1.57%
3rd
Return on assets1.03%
70th
Loans to deposits77.5%
77th
Uninsured deposits15.6%
12th
Loan-loss reserves0.00%
50th
Texas ratio8.9%
20th

Similar-size credit unions in Oklahoma

InstitutionScoreAssetsCapitalProblem loansCompare
Ttcu Federal Credit UnionCredit union Tulsa, OK73 out of 100, Strong$2.7B13.4%1.49%vs
Weokie Federal Credit UnionCredit union Oklahoma City, OK74 out of 100, Strong$1.5B13.4%0.64%vs
Truity Federal Credit UnionCredit union Bartlesville, OK52 out of 100, Below average$1.3B8.8%0.75%vs
Tinker Federal Credit UnionCredit union Oklahoma City, OK83 out of 100, Strong$6.1B14.7%0.63%vs

Deposit insurance

Is my money safe at Communication Federal Credit Union?

Yes. Communication Federal Credit Union is a federally insured credit union (NCUA charter #3454). 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 15.6% of shares and deposits ($322.6M) are above the $250,000 NCUA insurance limit, above the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 11.83%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

18 locations

Branches

Communication Federal Credit Union lists 18 offices in 12 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Communication Federal Credit Union reported 754 home-loan applications under HMDA (LEI 549300V71V12DS7RW675): 449 originated ($58,425,000 total), 111 denied, and 9 withdrawn or closed by the applicant. Its denial rate on decided applications was 14.9%, 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
Communication Federal Credit Union
Type
Federal credit union
NCUA charter #
3454
RSSD ID
603670
Primary regulator
NCUA
Established
1939
Headquarters
4141 Nw Expressway, Suite 200, Oklahoma City, OK 73116
Employees
302

Quick answers

Communication Federal Credit Union: common questions

Is Communication Federal Credit Union NCUA insured?

Yes. Communication Federal Credit Union is a federally insured credit union (NCUA charter #3454). 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 Communication Federal Credit Union's TellerScore?

68 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 Communication Federal Credit Union have?

18 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
Sooner State BankBank Tuttle, OK86 out of 100, Very strong$354.6M12.8%0.33%vs
Bank 7Bank Oklahoma City, OK86 out of 100, Very strong$1.9B13.9%0.39%vs
U. S. Employees O. C. Federal Credit UnionCredit union Oklahoma City, OK85 out of 100, Very strong$213.5M16.3%0.20%vs