TellerScore

Headquartered in Anadarko, Oklahoma, Cooperative Employees is a federally insured state-chartered credit union with $10.0M in total assets and $8.9M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1967.

Cooperative Employees has a TellerScore of 73 out of 100 (strong) based on Q2 2026 data — higher than only 47% of its 2,479 credit unions with under $100 million in assets. Among 52 credit unions headquartered in Oklahoma, it ranks 26th. Loan quality contributes the most (100/100, 0.00%); earnings contributes the least (42/100, 0.55%).

TellerScore · Q2 2026

Scorecard

Capital cushion54/100
Net worth ratio: 10.37%
Loan quality100/100
Loans 60+ days delinquent ÷ total loans: 0.00%
Earnings42/100
Return on assets (annualized): 0.55%
Funding & liquidity92/100
Loans ÷ shares: 67.8% · 0.0% uninsured
Problem-loan coverage100/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.00%

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 fell 2 points (75 → 73), mostly because the capital cushion component weakened by 8 points.

TellerScore
697275Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202473
Q3 202474
Q4 202471
Q1 202573
Q2 202575
Q3 202575
Q4 202569
Q1 202671
Q2 202673
Net worth ratio
7.00%9.36%11.71%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 202411.55%
Q3 202411.71%
Q4 202411.36%
Q1 202511.17%
Q2 202511.23%
Q3 202510.64%
Q4 202510.09%
Q1 202610.24%
Q2 202610.37%
Delinquent loans (60+ days)
0.00%0.04%0.08%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20240.00%
Q3 20240.08%
Q4 20240.00%
Q1 20250.00%
Q2 20250.00%
Q3 20250.00%
Q4 20250.00%
Q1 20260.00%
Q2 20260.00%
Return on assets
0.06%0.34%0.63%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.35%
Q3 20240.44%
Q4 20240.06%
Q1 20250.41%
Q2 20250.59%
Q3 20250.63%
Q4 20250.12%
Q1 20260.26%
Q2 20260.55%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202673$10.0M10.37%0.00%0.55%67.8%
Q1 202671$10.0M10.24%0.00%0.26%67.6%
Q4 202569$10.0M10.09%0.00%0.12%68.7%
Q3 202575$9.9M10.64%0.00%0.63%67.6%
Q2 202575$9.2M11.23%0.00%0.59%75.9%
Q1 202573$9.1M11.17%0.00%0.41%78.9%
Q4 202471$8.8M11.36%0.00%0.06%80.7%
Q3 202474$8.8M11.71%0.08%0.44%82.3%
Q2 202473$8.8M11.55%0.00%0.35%83.2%

2,479 peers · Under $100 million in assets

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 ratio10.37%
19th
Problem loans0.00%
94th
Net charge-offs0.00%
77th
Return on assets0.55%
45th
Loans to deposits67.8%
37th
Uninsured deposits0.0%
81st
Loan-loss reserves0.00%
37th
Texas ratio0.0%
93rd

Similar-size credit unions in Oklahoma

InstitutionScoreAssetsCapitalProblem loansCompare
Arbuckle Federal Credit UnionCredit union Ada, OK60 out of 100, Moderate$10.3M8.4%0.38%vs
United Members Federal Credit UnionCredit union Tulsa, OK87 out of 100, Very strong$10.4M18.6%0.15%vs
Correctional Workers Federal Credit UnionCredit union El Reno, OK88 out of 100, Very strong$10.5M17.9%0.19%vs
McAlester Aap Federal Credit UnionCredit union McAlester, OK69 out of 100, Moderate$12.4M38.4%4.84%vs
Teachers Credit UnionCredit union Oklahoma CIty, OK76 out of 100, Strong$6.3M31.5%0.34%vs
Integris Federal Credit UnionCredit union Oklahoma City, OK73 out of 100, Strong$14.4M11.5%0.00%vs

Deposit insurance

Is my money safe at Cooperative Employees?

Yes. Cooperative Employees is a federally insured credit union (NCUA charter #62502). 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 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 10.37%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Cooperative Employees lists 1 office in 1 city. Most locations:

  • Anadarko, OK (1)

All branch addresses and map

Identity & history

Profile

Legal name
Cooperative Employees
Type
Federally insured state-chartered credit union
NCUA charter #
62502
RSSD ID
613996
Primary regulator
State + NCUA
Established
1967
Headquarters
Po Box 429, Anadarko, OK 73005
Employees
3

Quick answers

Cooperative Employees: common questions

Is Cooperative Employees NCUA insured?

Yes. Cooperative Employees is a federally insured credit union (NCUA charter #62502). 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 Cooperative Employees's TellerScore?

73 out of 100 (Strong), 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 Cooperative Employees have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Anadarko

InstitutionScoreAssetsCapitalProblem loansCompare
International Bank of CommerceBank Oklahoma City, OK88 out of 100, Very strong$1.6B15.5%0.66%vs
Liberty National BankBank Lawton, OK84 out of 100, Strong$1.3B10.3%0.02%vs
The City National Bank and Trust Company of Lawton, OklahomaBank Lawton, OK83 out of 100, Strong$446.2M13.9%0.45%vs
Shamrock Bank, N.A.Bank Coalgate, OK79 out of 100, Strong$501.5M10.8%0.29%vs
Bank of HydroBank Hydro, OK76 out of 100, Strong$180.8M11.6%0.64%vs
First State BankBank Anadarko, OK74 out of 100, Strong$139.6M11.2%0.34%vs