TellerScore

Oklahoma Central Credit Union (NCUA charter #62322) is based in Tulsa, Oklahoma. Its Q2 2026 call report shows $760.2M in total assets and $663.4M in member shares and deposits and 9 offices.

Oklahoma Central Credit Union has a TellerScore of 83 out of 100 (strong) based on Q2 2026 data — higher than 83% of its 1,341 credit unions with $100 million – $1 billion. Among 52 credit unions headquartered in Oklahoma, it ranks 12th. Funding & liquidity contributes the most (100/100, 53% loans-to-deposits, 8% uninsured); earnings contributes the least (42/100, 0.54%).

TellerScore · Q2 2026

Scorecard

Capital cushion89/100
Net worth ratio: 13.94%
Loan quality92/100
Loans 60+ days delinquent ÷ total loans: 0.24%
Earnings42/100
Return on assets (annualized): 0.54%
Funding & liquidity100/100
Loans ÷ shares: 52.6% · 8.5% uninsured
Problem-loan coverage98/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.88%

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 3 points (86 → 83), mostly because the earnings component weakened by 8 points.

TellerScore
828588Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202486
Q3 202488
Q4 202485
Q1 202584
Q2 202586
Q3 202586
Q4 202586
Q1 202682
Q2 202683
Net worth ratio
7.00%10.70%14.40%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202414.19%
Q3 202414.36%
Q4 202414.40%
Q1 202514.12%
Q2 202514.26%
Q3 202514.36%
Q4 202514.27%
Q1 202613.76%
Q2 202613.94%
Delinquent loans (60+ days)
0.18%0.24%0.31%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.24%
Q3 20240.18%
Q4 20240.31%
Q1 20250.25%
Q2 20250.18%
Q3 20250.22%
Q4 20250.21%
Q1 20260.18%
Q2 20260.24%
Return on assets
0.42%0.67%0.91%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.82%
Q3 20240.91%
Q4 20240.74%
Q1 20250.59%
Q2 20250.75%
Q3 20250.78%
Q4 20250.69%
Q1 20260.42%
Q2 20260.54%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202683$760.2M13.94%0.24%0.54%52.6%
Q1 202682$760.7M13.76%0.18%0.42%49.8%
Q4 202586$728.2M14.27%0.21%0.69%52.3%
Q3 202586$718.2M14.36%0.22%0.78%52.6%
Q2 202586$712.0M14.26%0.18%0.75%52.3%
Q1 202584$707.9M14.12%0.25%0.59%51.1%
Q4 202485$686.9M14.40%0.31%0.74%53.1%
Q3 202488$686.3M14.36%0.18%0.91%53.8%
Q2 202486$681.4M14.19%0.24%0.82%54.7%

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 ratio13.94%
78th
Problem loans0.24%
86th
Net charge-offs0.18%
74th
Return on assets0.54%
34th
Loans to deposits52.6%
87th
Uninsured deposits8.5%
25th
Loan-loss reserves0.00%
50th
Texas ratio0.9%
90th

Similar-size credit unions in Oklahoma

InstitutionScoreAssetsCapitalProblem loansCompare
True Sky Federal Credit UnionCredit union Oklahoma City, OK48 out of 100, Below average$778.4M6.3%0.96%vs
Oklahoma'S Federal Credit UnionCredit union Oklahoma City, OK77 out of 100, Strong$954.5M12.6%0.25%vs
Westreet Federal Credit UnionCredit union Tulsa, OK38 out of 100, Low$966.8M9.6%2.77%vs
Fort Sill Federal Credit UnionCredit union Lawton, OK70 out of 100, Strong$394.2M11.6%1.12%vs
Allegiance Federal Credit UnionCredit union Oklahoma City, OK66 out of 100, Moderate$372.5M9.7%0.71%vs
Oklahoma Educators Credit UnionCredit union Oklahoma City, OK72 out of 100, Strong$305.2M11.3%0.51%vs

Deposit insurance

Is my money safe at Oklahoma Central Credit Union?

Yes. Oklahoma Central Credit Union is a federally insured credit union (NCUA charter #62322). 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 8.5% of shares and deposits ($56.1M) 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 13.94%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

9 locations

Branches

Oklahoma Central Credit Union lists 9 offices in 4 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Oklahoma Central Credit Union reported 491 home-loan applications under HMDA (LEI 54930068H3KVFOUG0285): 258 originated ($23,110,000 total), 106 denied, and 125 withdrawn or closed by the applicant. Its denial rate on decided applications was 29.0%, 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
Oklahoma Central Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
62322
RSSD ID
218793
Primary regulator
State + NCUA
Established
1941
Headquarters
4956 S Peoria Ave, Tulsa, OK 74105
Employees
134

Quick answers

Oklahoma Central Credit Union: common questions

Is Oklahoma Central Credit Union NCUA insured?

Yes. Oklahoma Central Credit Union is a federally insured credit union (NCUA charter #62322). 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 Oklahoma Central Credit Union's TellerScore?

83 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 Oklahoma Central Credit Union have?

9 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Tulsa

InstitutionScoreAssetsCapitalProblem loansCompare
First Bank of OwassoBank Owasso, OK93 out of 100, Very strong$639.3M15.7%0.01%vs
Saint Francis Employees Federal Credit UnionCredit union Tulsa, OK92 out of 100, Very strong$44.7M15.9%0.20%vs
The First National Bank and Trust Company of Broken ArrowBank Broken Arrow, OK89 out of 100, Very strong$269.5M16.4%0.14%vs
International Bank of CommerceBank Oklahoma City, OK88 out of 100, Very strong$1.6B15.5%0.66%vs
United Members Federal Credit UnionCredit union Tulsa, OK87 out of 100, Very strong$10.4M18.6%0.15%vs
Bank 7Bank Oklahoma City, OK86 out of 100, Very strong$1.9B13.9%0.39%vs