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
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.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 66 |
| Q3 2024 | 68 |
| Q4 2024 | 61 |
| Q1 2025 | 56 |
| Q2 2025 | 61 |
| Q3 2025 | 63 |
| Q4 2025 | 63 |
| Q1 2026 | 64 |
| Q2 2026 | 68 |
Show as table
| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 12.24% |
| Q3 2024 | 12.51% |
| Q4 2024 | 11.73% |
| Q1 2025 | 11.78% |
| Q2 2025 | 11.95% |
| Q3 2025 | 11.91% |
| Q4 2025 | 11.73% |
| Q1 2026 | 11.66% |
| Q2 2026 | 11.83% |
Show as table
| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 1.06% |
| Q3 2024 | 1.19% |
| Q4 2024 | 1.17% |
| Q1 2025 | 1.02% |
| Q2 2025 | 1.17% |
| Q3 2025 | 1.30% |
| Q4 2025 | 1.34% |
| Q1 2026 | 1.05% |
| Q2 2026 | 1.24% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.64% |
| Q3 2024 | 0.99% |
| Q4 2024 | 0.37% |
| Q1 2025 | -0.62% |
| Q2 2025 | 0.24% |
| Q3 2025 | 0.64% |
| Q4 2025 | 0.66% |
| Q1 2026 | 0.47% |
| Q2 2026 | 1.03% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 68 | $2.4B | 11.83% | 1.24% | 1.03% | 77.5% |
| Q1 2026 | 64 | $2.3B | 11.66% | 1.05% | 0.47% | 79.9% |
| Q4 2025 | 63 | $2.3B | 11.73% | 1.34% | 0.66% | 81.4% |
| Q3 2025 | 63 | $2.3B | 11.91% | 1.30% | 0.64% | 85.8% |
| Q2 2025 | 61 | $2.2B | 11.95% | 1.17% | 0.24% | 88.0% |
| Q1 2025 | 56 | $2.2B | 11.78% | 1.02% | -0.62% | 87.5% |
| Q4 2024 | 61 | $2.2B | 11.73% | 1.17% | 0.37% | 87.9% |
| Q3 2024 | 68 | $2.1B | 12.51% | 1.19% | 0.99% | 89.7% |
| Q2 2024 | 66 | $2.1B | 12.24% | 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).
Similar-size credit unions in Oklahoma
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Ttcu Federal Credit UnionCredit union Tulsa, OK | 73 out of 100, Strong | $2.7B | 13.4% | 1.49% | vs |
| Weokie Federal Credit UnionCredit union Oklahoma City, OK | 74 out of 100, Strong | $1.5B | 13.4% | 0.64% | vs |
| Truity Federal Credit UnionCredit union Bartlesville, OK | 52 out of 100, Below average | $1.3B | 8.8% | 0.75% | vs |
| Tinker Federal Credit UnionCredit union Oklahoma City, OK | 83 out of 100, Strong | $6.1B | 14.7% | 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.
18 locations
Branches
Communication Federal Credit Union lists 18 offices in 12 cities. Most locations:
- Oklahoma City, OK (6)
- Tulsa, OK (2)
- Ardmore, OK (1)
- Bixby, OK (1)
- Broken Arrow, OK (1)
- Edmond, OK (1)
- Enid, OK (1)
- Muskogee, OK (1)
- Norman, OK (1)
- Owasso, OK (1)
- Shawnee, OK (1)
- Yukon, OK (1)
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
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Oklahoma Federal Credit UnionCredit union Oklahoma City, OK | 91 out of 100, Very strong | $198.9M | 20.2% | 0.24% | vs |
| International Bank of CommerceBank Oklahoma City, OK | 88 out of 100, Very strong | $1.6B | 15.5% | 0.66% | vs |
| Correctional Workers Federal Credit UnionCredit union El Reno, OK | 88 out of 100, Very strong | $10.5M | 17.9% | 0.19% | vs |
| Sooner State BankBank Tuttle, OK | 86 out of 100, Very strong | $354.6M | 12.8% | 0.33% | vs |
| Bank 7Bank Oklahoma City, OK | 86 out of 100, Very strong | $1.9B | 13.9% | 0.39% | vs |
| U. S. Employees O. C. Federal Credit UnionCredit union Oklahoma City, OK | 85 out of 100, Very strong | $213.5M | 16.3% | 0.20% | vs |