Oklahoma Educators Credit Union is a federally insured state-chartered credit union headquartered in Oklahoma City, Oklahoma, in business for about 66 years. At the end of Q2 2026 it reported $305.2M in total assets and $240.4M in member shares and deposits, with 7 offices.
Oklahoma Educators Credit Union has a TellerScore of 72 out of 100 (strong) based on Q2 2026 data — higher than 57% of its 1,341 credit unions with $100 million – $1 billion. Among 52 credit unions headquartered in Oklahoma, it ranks 27th. Funding & liquidity contributes the most (95/100, 65% loans-to-deposits, 5% uninsured); earnings contributes the least (46/100, 0.66%).
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 fell 3 points (75 → 72), mostly because the funding & liquidity component improved by 25 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 77 |
| Q3 2024 | 78 |
| Q4 2024 | 80 |
| Q1 2025 | 78 |
| Q2 2025 | 75 |
| Q3 2025 | 71 |
| Q4 2025 | 69 |
| Q1 2026 | 70 |
| Q2 2026 | 72 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 13.63% |
| Q3 2024 | 14.14% |
| Q4 2024 | 14.83% |
| Q1 2025 | 15.31% |
| Q2 2025 | 13.57% |
| Q3 2025 | 11.88% |
| Q4 2025 | 10.99% |
| Q1 2026 | 10.74% |
| Q2 2026 | 11.26% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.57% |
| Q3 2024 | 0.59% |
| Q4 2024 | 0.57% |
| Q1 2025 | 0.67% |
| Q2 2025 | 0.73% |
| Q3 2025 | 0.63% |
| Q4 2025 | 0.75% |
| Q1 2026 | 0.58% |
| Q2 2026 | 0.51% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.09% |
| Q3 2024 | 1.11% |
| Q4 2024 | 1.14% |
| Q1 2025 | 0.73% |
| Q2 2025 | 0.84% |
| Q3 2025 | 0.73% |
| Q4 2025 | 0.66% |
| Q1 2026 | 0.64% |
| Q2 2026 | 0.66% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 72 | $305.2M | 11.26% | 0.51% | 0.66% | 65.2% |
| Q1 2026 | 70 | $315.3M | 10.74% | 0.58% | 0.64% | 63.3% |
| Q4 2025 | 69 | $303.5M | 10.99% | 0.75% | 0.66% | 68.3% |
| Q3 2025 | 71 | $276.4M | 11.88% | 0.63% | 0.73% | 84.7% |
| Q2 2025 | 75 | $238.4M | 13.57% | 0.73% | 0.84% | 90.7% |
| Q1 2025 | 78 | $207.1M | 15.31% | 0.67% | 0.73% | 98.0% |
| Q4 2024 | 80 | $211.3M | 14.83% | 0.57% | 1.14% | 101.8% |
| Q3 2024 | 78 | $217.4M | 14.14% | 0.59% | 1.11% | 100.5% |
| Q2 2024 | 77 | $221.1M | 13.63% | 0.57% | 1.09% | 99.9% |
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).
Similar-size credit unions in Oklahoma
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Energy One Federal Credit UnionCredit union Tulsa, OK | 62 out of 100, Moderate | $300.7M | 11.3% | 1.76% | vs |
| Red Crown Federal Credit UnionCredit union Tulsa, OK | 66 out of 100, Moderate | $256.7M | 10.7% | 0.41% | vs |
| Allegiance Federal Credit UnionCredit union Oklahoma City, OK | 66 out of 100, Moderate | $372.5M | 9.7% | 0.71% | vs |
| Fort Sill Federal Credit UnionCredit union Lawton, OK | 70 out of 100, Strong | $394.2M | 11.6% | 1.12% | vs |
| Okunity Federal Credit UnionCredit union Stillwater, OK | 72 out of 100, Strong | $214.7M | 12.3% | 0.48% | 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 |
Deposit insurance
Is my money safe at Oklahoma Educators Credit Union?
Yes. Oklahoma Educators Credit Union is a federally insured credit union (NCUA charter #61088). 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 5.0% of shares and deposits ($12.1M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.
The net worth ratio is 11.26%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.
7 locations
Branches
Oklahoma Educators Credit Union lists 7 offices in 7 cities. Most locations:
- Bethany, OK (1)
- Duncan, OK (1)
- Midwest City, OK (1)
- Moore, OK (1)
- Norman, OK (1)
- Oklahoma City, OK (1)
- Yukon, OK (1)
HMDA 2025
Mortgage lending
In 2025, Oklahoma Educators Credit Union reported 139 home-loan applications under HMDA (LEI 254900F4K0YUTIQ7Q952): 87 originated ($11,085,000 total), 18 denied, and 28 withdrawn or closed by the applicant. Its denial rate on decided applications was 16.2%, 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.
CFPB TCCP survey · December 31, 2025
Credit card terms
| Card | Purchase APR | Annual fee | Late fee | Foreign fee |
|---|---|---|---|---|
| OECU Visa Classic Credit Card | 9.90% | $0 | $25 | 1.0% |
| OECU Visa Platinum Credit Card | 9.49% – 18.00% | $0 | $25 | 1.0% |
Identity & history
Profile
- Legal name
- Oklahoma Educators Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 61088
- RSSD ID
- 398695
- Primary regulator
- State + NCUA
- Established
- 1960
- Headquarters
- Po Box 22222, Oklahoma City, OK 73123
- Employees
- 65
Quick answers
Oklahoma Educators Credit Union: common questions
Is Oklahoma Educators Credit Union NCUA insured?
Yes. Oklahoma Educators Credit Union is a federally insured credit union (NCUA charter #61088). 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 Educators Credit Union's TellerScore?
72 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 Educators Credit Union have?
7 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 |