Southwest Oklahoma Federal Credit Union (NCUA charter #12271) is based in Lawton, Oklahoma. Its Q2 2026 call report shows $116.4M in total assets and $94.1M in member shares and deposits and 1 office.
Southwest Oklahoma Federal Credit Union has a TellerScore of 89 out of 100 (very strong) based on Q2 2026 data — higher than 94% of its 1,341 credit unions with $100 million – $1 billion. Among 52 credit unions headquartered in Oklahoma, it ranks 4th. Capital cushion contributes the most (100/100, 19.32%); loan quality contributes the least (71/100, 0.88%).
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
The score has been essentially flat from Q2 2025 to Q2 2026 (90 → 89).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 90 |
| Q3 2024 | 85 |
| Q4 2024 | 83 |
| Q1 2025 | 86 |
| Q2 2025 | 90 |
| Q3 2025 | 87 |
| Q4 2025 | 89 |
| Q1 2026 | 90 |
| Q2 2026 | 89 |
Show as table
| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 16.69% |
| Q3 2024 | 16.96% |
| Q4 2024 | 16.97% |
| Q1 2025 | 17.25% |
| Q2 2025 | 17.41% |
| Q3 2025 | 17.83% |
| Q4 2025 | 18.36% |
| Q1 2026 | 18.64% |
| Q2 2026 | 19.32% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.43% |
| Q3 2024 | 1.12% |
| Q4 2024 | 1.18% |
| Q1 2025 | 1.05% |
| Q2 2025 | 0.76% |
| Q3 2025 | 0.99% |
| Q4 2025 | 0.77% |
| Q1 2026 | 0.63% |
| Q2 2026 | 0.88% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.52% |
| Q3 2024 | 1.57% |
| Q4 2024 | 1.51% |
| Q1 2025 | 1.66% |
| Q2 2025 | 1.77% |
| Q3 2025 | 1.81% |
| Q4 2025 | 1.83% |
| Q1 2026 | 1.84% |
| Q2 2026 | 2.00% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 89 | $116.4M | 19.32% | 0.88% | 2.00% | 79.3% |
| Q1 2026 | 90 | $117.3M | 18.64% | 0.63% | 1.84% | 78.4% |
| Q4 2025 | 89 | $116.2M | 18.36% | 0.77% | 1.83% | 78.2% |
| Q3 2025 | 87 | $116.6M | 17.83% | 0.99% | 1.81% | 76.5% |
| Q2 2025 | 90 | $116.2M | 17.41% | 0.76% | 1.77% | 72.5% |
| Q1 2025 | 86 | $114.1M | 17.25% | 1.05% | 1.66% | 71.8% |
| Q4 2024 | 83 | $113.2M | 16.97% | 1.18% | 1.51% | 74.8% |
| Q3 2024 | 85 | $110.8M | 16.96% | 1.12% | 1.57% | 73.4% |
| Q2 2024 | 90 | $109.8M | 16.69% | 0.43% | 1.52% | 77.1% |
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 |
|---|---|---|---|---|---|
| Muskogee Federal Credit UnionCredit union Muskogee, OK | 87 out of 100, Very strong | $112.0M | 12.8% | 0.58% | vs |
| Cherokee Strip Credit UnionCredit union Ponca City, OK | 60 out of 100, Moderate | $106.0M | 9.9% | 0.55% | vs |
| First Family Federal Credit UnionCredit union Henryetta, OK | 68 out of 100, Moderate | $154.4M | 11.6% | 0.62% | vs |
| Green Country Federal Credit UnionCredit union Sand Springs, OK | 32 out of 100, Low | $155.4M | 8.5% | 2.75% | vs |
| The Focus Federal Credit UnionCredit union Oklahoma City, OK | 57 out of 100, Moderate | $163.2M | 9.0% | 0.45% | vs |
| Red River Federal Credit UnionCredit union Altus, OK | 79 out of 100, Strong | $168.4M | 12.1% | 0.28% | vs |
Deposit insurance
Is my money safe at Southwest Oklahoma Federal Credit Union?
Yes. Southwest Oklahoma Federal Credit Union is a federally insured credit union (NCUA charter #12271). 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 4.3% of shares and deposits ($4.0M) 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 19.32%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
Southwest Oklahoma Federal Credit Union lists 1 office in 1 city. Most locations:
- Lawton, OK (1)
Identity & history
Profile
- Legal name
- Southwest Oklahoma Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 12271
- RSSD ID
- 415789
- Primary regulator
- NCUA
- Established
- 1958
- Headquarters
- 1806 NW Liberty Ave, Lawton, OK 73507
- Employees
- 16
Quick answers
Southwest Oklahoma Federal Credit Union: common questions
Is Southwest Oklahoma Federal Credit Union NCUA insured?
Yes. Southwest Oklahoma Federal Credit Union is a federally insured credit union (NCUA charter #12271). 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 Southwest Oklahoma Federal Credit Union's TellerScore?
89 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 Southwest Oklahoma Federal Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Lawton
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Comanche County Federal Credit UnionCredit union Lawton, OK | 96 out of 100, Very strong | $36.4M | 18.8% | 0.00% | vs |
| FSNB, National AssociationBank Lawton, OK | 96 out of 100, Very strong | $478.3M | 17.5% | 0.36% | vs |
| International Bank of CommerceBank Oklahoma City, OK | 88 out of 100, Very strong | $1.6B | 15.5% | 0.66% | vs |
| Liberty National BankBank Lawton, OK | 84 out of 100, Strong | $1.3B | 10.3% | 0.02% | vs |
| The City National Bank and Trust Company of Lawton, OklahomaBank Lawton, OK | 83 out of 100, Strong | $446.2M | 13.9% | 0.45% | vs |
| Red River Federal Credit UnionCredit union Altus, OK | 79 out of 100, Strong | $168.4M | 12.1% | 0.28% | vs |