TellerScore

Oklahoma Federal Credit Union is a federal credit union headquartered in Oklahoma City, Oklahoma, in business for about 75 years. At the end of Q2 2026 it reported $198.9M in total assets and $159.2M in member shares and deposits, with 2 offices.

Based on its Q2 2026 filing, Oklahoma Federal Credit Union scores 91/100, which we describe as very strong. That is higher than 96% of 1,341 credit unions with $100 million – $1 billion. Among 52 credit unions headquartered in Oklahoma, it ranks 3rd. Its strongest component is capital cushion (100/100; 20.23%), and its lowest is funding & liquidity (74/100; 79% loans-to-deposits, 21% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 20.23%
Loan quality92/100
Loans 60+ days delinquent ÷ total loans: 0.24%
Earnings87/100
Return on assets (annualized): 1.66%
Funding & liquidity74/100
Loans ÷ shares: 78.8% · 21.4% uninsured
Problem-loan coverage98/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.21%

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 (94 → 91), mostly because the earnings component weakened by 8 points.

TellerScore
909294Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202494
Q3 202494
Q4 202493
Q1 202593
Q2 202594
Q3 202591
Q4 202591
Q1 202690
Q2 202691
Net worth ratio
7.00%13.62%20.23%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202418.56%
Q3 202418.39%
Q4 202418.76%
Q1 202518.85%
Q2 202519.35%
Q3 202519.51%
Q4 202519.79%
Q1 202619.95%
Q2 202620.23%
Delinquent loans (60+ days)
0.16%0.26%0.35%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.25%
Q3 20240.29%
Q4 20240.34%
Q1 20250.23%
Q2 20250.16%
Q3 20250.35%
Q4 20250.35%
Q1 20260.32%
Q2 20260.24%
Return on assets
1.62%1.92%2.21%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.21%
Q3 20242.02%
Q4 20241.91%
Q1 20251.78%
Q2 20251.88%
Q3 20251.71%
Q4 20251.68%
Q1 20261.62%
Q2 20261.66%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202691$198.9M20.23%0.24%1.66%78.8%
Q1 202690$197.4M19.95%0.32%1.62%78.5%
Q4 202591$194.9M19.79%0.35%1.68%78.5%
Q3 202591$193.6M19.51%0.35%1.71%78.0%
Q2 202594$191.7M19.35%0.16%1.88%77.8%
Q1 202593$191.7M18.85%0.23%1.78%76.8%
Q4 202493$188.2M18.76%0.34%1.91%77.4%
Q3 202494$187.8M18.39%0.29%2.02%78.8%
Q2 202494$181.6M18.56%0.25%2.21%80.4%

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 ratio20.23%
97th
Problem loans0.24%
87th
Net charge-offs0.63%
24th
Return on assets1.66%
92nd
Loans to deposits78.8%
43rd
Uninsured deposits21.4%
2nd
Loan-loss reserves0.00%
50th
Texas ratio1.2%
87th

Similar-size credit unions in Oklahoma

InstitutionScoreAssetsCapitalProblem loansCompare
Endurance Federal Credit UnionCredit union Duncan, OK83 out of 100, Strong$196.5M13.7%0.21%vs
Municipal Emps CU of Oklahoma City Credit UnionCredit union Oklahoma City, OK62 out of 100, Moderate$190.5M8.8%0.17%vs
U. S. Employees O. C. Federal Credit UnionCredit union Oklahoma City, OK85 out of 100, Very strong$213.5M16.3%0.20%vs
Okunity Federal Credit UnionCredit union Stillwater, OK72 out of 100, Strong$214.7M12.3%0.48%vs
Western Sun Federal Credit UnionCredit union Broken Arrow, OK73 out of 100, Strong$181.5M17.6%0.71%vs
Red River Federal Credit UnionCredit union Altus, OK79 out of 100, Strong$168.4M12.1%0.28%vs

Deposit insurance

Is my money safe at Oklahoma Federal Credit Union?

Yes. Oklahoma Federal Credit Union is a federally insured credit union (NCUA charter #7151). 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 21.4% of shares and deposits ($34.1M) 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 20.23%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Oklahoma Federal Credit Union lists 2 offices in 1 city. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Oklahoma Federal Credit Union reported 36 home-loan applications under HMDA (LEI 984500A1A8A91F8C4M93): 36 originated ($5,380,000 total), 0 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 0.0%, 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 Federal Credit Union
Type
Federal credit union
NCUA charter #
7151
RSSD ID
414287
Primary regulator
NCUA
Established
1951
Headquarters
517 Ne 36th St, Oklahoma City, OK 73105
Employees
19

Quick answers

Oklahoma Federal Credit Union: common questions

Is Oklahoma Federal Credit Union NCUA insured?

Yes. Oklahoma Federal Credit Union is a federally insured credit union (NCUA charter #7151). 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 Federal Credit Union's TellerScore?

91 out of 100 (Very 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 Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Oklahoma City

InstitutionScoreAssetsCapitalProblem loansCompare
International Bank of CommerceBank Oklahoma City, OK88 out of 100, Very strong$1.6B15.5%0.66%vs
Bank 7Bank Oklahoma City, OK86 out of 100, Very strong$1.9B13.9%0.39%vs
Sooner State BankBank Tuttle, OK86 out of 100, Very strong$354.6M12.8%0.33%vs
U. S. Employees O. C. Federal Credit UnionCredit union Oklahoma City, OK85 out of 100, Very strong$213.5M16.3%0.20%vs
Liberty National BankBank Lawton, OK84 out of 100, Strong$1.3B10.3%0.02%vs
Tinker Federal Credit UnionCredit union Oklahoma City, OK83 out of 100, Strong$6.1B14.7%0.63%vs