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Oklahoma Credit Union Performance
How the 53 credit unions based in Oklahoma are performing — size, membership, earnings, capital, growth and loan quality — measured against every U.S. credit union, straight from the public NCUA Call Report.
NCUA data through Q1 2026.
Oklahoma's 53 credit unions serve 1,464,139 members and hold $21.92B in combined assets. The median Oklahoma credit union earned a 0.57% return on average assets over the past year, compared with 0.66% for the median U.S. credit union. Median one-year membership growth among Oklahoma credit unions was -1.15%, compared with -0.55% nationally. Median one-year asset growth was 1.51%, compared with 2.78% nationally. Figures are from the Q1 2026 NCUA Call Report.
Oklahoma at a glance
Oklahoma vs. the United States
System totals are the sum of every credit union based in Oklahoma. The share column is Oklahoma's portion of the national figure.
| Measure | Oklahoma | United States | Oklahoma share |
|---|---|---|---|
| Credit unions | 53 | 4,335 | 1.2% |
| Members | 1,464,139 | 147,031,529 | 1.0% |
| Residents (population) | 4,095,393 | 340,110,988 | 1.2% |
| Total assets | $21.92B | $2,507.50B | 0.9% |
| Total loans | $13.41B | $1,744.86B | 0.8% |
| Total shares & deposits | $18.48B | $2,143.21B | 0.9% |
| Total net worth | $2.75B | $282.23B | 1.0% |
| Mergers year-to-date | 0 | 27 | — |
Membership reach. Oklahoma credit unions report about 36 memberships for every 100 residents, vs 43 nationally — a rough measure of how deeply credit unions reach the population. (This counts memberships, not unique people: one person can belong to more than one credit union, and large Oklahoma credit unions serve members in other states, so it overstates true in-state penetration.)
The median Oklahoma credit union
Ratios and growth describe the typical (median) credit union in each place — a robust, outlier-resistant figure — not a single giant institution. Each is computed with the same disclosed equations used across CUNinjas.
| Metric | Median Oklahoma CU | Median U.S. CU |
|---|---|---|
| Return on assets | 0.57% | 0.66% |
| Net worth ratio | 12.18% | 12.44% |
| Loan-to-share ratio | 74.92% | 67.86% |
| Delinquency ratio | 0.62% | 0.63% |
| Net charge-off ratio | 0.49% | 0.33% |
| Cost of funds | 1.22% | 1.05% |
| Member growth (1 yr) | -1.15% | -0.55% |
| Asset growth (1 yr) | 1.51% | 2.78% |
| Loan growth (1 yr) | -1.16% | 0.63% |
| Share growth (1 yr) | 0.86% | 2.36% |
| Net worth growth (1 yr) | 4.36% | 5.57% |
Trends over time
The median Oklahoma credit union (solid) vs. the median U.S. credit union (dashed), by year.
Return on assets 0.57% · 0.72%
— Oklahoma ‑‑ U.S.
Net worth ratio 12.22% · 12.46%
— Oklahoma ‑‑ U.S.
Loan-to-share ratio 74.21% · 69.70%
— Oklahoma ‑‑ U.S.
Delinquency ratio 0.64% · 0.72%
— Oklahoma ‑‑ U.S.
Asset growth (1 yr) 2.68% · 3.26%
— Oklahoma ‑‑ U.S.
Member growth (1 yr) -1.42% · -0.52%
— Oklahoma ‑‑ U.S.
Oklahoma leaderboards
Largest by assets
- 1 Tinker Credit Union $6.13B
- 2 Tulsa Teachers Credit Union $2.70B
- 3 Communication Credit Union $2.34B
- 4 Weokie Credit Union $1.49B
- 5 66 Credit Union $1.30B
- 6 Tulsa Federal Employees Credit Union $968.1M
- 7 Oklahoma Employees Credit Union $945.5M
- 8 True Sky Credit Union $797.0M
- 9 Oklahoma Central Credit Union $760.7M
- 10 Fort Sill Credit Union $395.3M
Highest return on assets
- 1 Muskogee Credit Union 1.96%
- 2 Southwest Oklahoma Credit Union 1.86%
- 3 Oklahoma Credit Union 1.65%
- 4 Red River Credit Union 1.60%
- 5 Fraternal Order of Police Credit Union 1.18%
- 6 OU Employees Credit Union 1.01%
- 7 U.S. Employees O.C. Credit Union 0.93%
- 8 Tinker Credit Union 0.92%
- 9 Weokie Credit Union 0.81%
- 10 Oklahoma Educators Credit Union 0.77%
Fastest-growing (organic)
- 1 Oklahoma Educators Credit Union 52.24%
- 2 Municipal Employees CU of Oklahoma City Credit Union 15.26%
- 3 66 Credit Union 11.21%
- 4 Energy One Credit Union 9.42%
- 5 Oklahoma Employees Credit Union 9.10%
- 6 Communication Credit Union 8.36%
- 7 Oklahoma Central Credit Union 7.46%
- 8 Red River Credit Union 6.88%
- 9 Muskogee Credit Union 6.60%
- 10 Space Age Tulsa Credit Union 5.98%
Leaderboards rank credit unions above $50M in assets on positive measures only (return on assets and organic asset growth, excluding merger-driven jumps); the largest board has no size floor.
Method. Compiled from public NCUA 5300 Call Report data (Q1 2026), covering federally insured credit unions headquartered in Oklahoma that filed for the quarter. System totals are exact sums; ratios and growth are the median credit union in each place, computed through the same disclosed equations used across CUNinjas (a credit union that branches across state lines is counted only in its home state). Cells for a group of fewer than three credit unions are withheld. Population figures are U.S. Census Bureau Vintage 2024 estimates. Not affiliated with the NCUA.