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Overview / Commentary
405-275-5014
2 W Macarthur St
Shawnee, OK 74804-2026

Bison Credit Union is headquartered in Shawnee and is the 35th largest credit union in the state of Oklahoma. It is also the 2,778th largest credit union in the nation. It was established in 1951 and as of March of 2014, it had grown to 8 employees and 4,576 members. Bison Credit Union has a B health rating.

Field of Membership Restrictions

Must live, work, worship or attend school in Pottawatomie County, Oklahoma. - See Details

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Health

Data for Q1 2014

Institution Health

B
Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Bison Credit Union has a low asset base.

Texas Ratio

GRADE:
A+

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Bison Credit Union had $99,000 in non-current loans and owned real-estate with $2.96 million in equity and loan loss allowances on hand to cover it. This gives Bison Credit Union a Texas Ratio of 3.35% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
B+

The Texas Ratio for Bison Credit Union decreased slightly from 4.38% as of March 31, 2013 to 3.35% as of March 31, 2014, resulting in a positive change of 23.50%.This indicates that the balance sheet and financial strength for Bison Credit Union has improved slightly in recent periods.

Deposit Growth

GRADE:
B+

In the past year, Bison Credit Union has increased its total deposits by $789,000, resulting in 2.55% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Bison Credit Union has shown is above average.

Capitalization

GRADE:
C

Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Bison Credit Union has $34.8 million in assets with $2.96 million in equity, resulting in a capitalization level of 8.49%, which is average.

Institution Statistics

Overall
NCUA #7149
Year Chartered1951
Employees8
Primary Regulator
Assets and Liabilities
Assets$34.80 million
Loans$12.15 million
Deposits$31.70 million
Equity Capital$2.86 million
Loan Loss Allowance$94,000
Unbacked Noncurrent Loans$99,000
Real Estate Owned$0
Historic Data - March 2013
Assets$34.26 million
Equity Capital$2.85 million
Loan Loss Allowance$51,000
Unbacked Noncurrent Loans$99,000
Real Estate Owned$0
Profit Margin - Quarterly
Return on Assets0.44%
Return on Equity5.31%
Interest Income$257,000
Rates
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Bison Credit Union Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.25%$100-IRA Share Account
0.25%--Jr. Bison Share Account
0.25%$100-Ready Cash Account
0.25%$100-Roth IRA Share Account
0.25%$100-CESA Share Account
0.20%--Regular Share
0.20%$100-Christmas Club Account

Bison Credit Union CD Rates

DetailsAPYMINMAXPRODUCT
0.75%$500-2 Year CD
0.35%$500-1 Year CD
0.25%$500-6 Month CD

Bison Credit Union IRA Rates

DetailsAPYMINMAXPRODUCT
0.75%$500-2 Year IRA
0.35%$500-1 Year IRA
0.25%$500-6 Month IRA
Locations


Bison Credit Union Locations
Branch Office2 W Macarthur StShawnee, OK 74804-2026