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Overview / Commentary
800-522-8462
3330 N Lincoln Blvd
Oklahoma City, OK 73105-5406

Credit Union One Of Oklahoma is headquartered in Oklahoma City and is the 30th largest credit union in the state of Oklahoma. It is also the 2,565th largest credit union in the nation. It was established in 1949 and as of March of 2014, it had grown to 15 employees and 9,061 members. Credit Union One Of Oklahoma has a B+ health rating.

Field of Membership Restrictions

Must live, work, worship or attend school in Canadian, Cleveland, Logan, McClain, Oklahoma or Pottawatomie County. Also open to employees and retirees of Core Agencies and other Select Employee Groups. - 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. Credit Union One Of Oklahoma 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 Credit Union One Of Oklahoma had $79,000 in non-current loans and owned real-estate with $4.2 million in equity and loan loss allowances on hand to cover it. This gives Credit Union One Of Oklahoma a Texas Ratio of 1.88% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C+

The Texas Ratio for Credit Union One Of Oklahoma experienced no significant changes from 0.56% as of March 31, 2013 to 1.88% as of March 31, 2014, resulting in a negative change of 238.56%. This indicates that the balance sheet and financial strength for Credit Union One Of Oklahoma has had no significant changes in recent periods.

Deposit Growth

GRADE:
B+

In the past year, Credit Union One Of Oklahoma has increased its total deposits by $454,000, resulting in 1.26% 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 Credit Union One Of Oklahoma has shown is above average.

Capitalization

GRADE:
B+

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. Credit Union One Of Oklahoma has $40.86 million in assets with $4.2 million in equity, resulting in a capitalization level of 10.27%, which is above average.

Institution Statistics

Overall
NCUA #64850
Year Chartered1949
Employees15
Primary Regulator
Assets and Liabilities
Assets$40.86 million
Loans$12.15 million
Deposits$36.51 million
Equity Capital$4.15 million
Loan Loss Allowance$49,000
Unbacked Noncurrent Loans$79,000
Real Estate Owned$0
Historic Data - March 2013
Assets$41.28 million
Equity Capital$4.93 million
Loan Loss Allowance$109,000
Unbacked Noncurrent Loans$79,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin1.13%
Return on Assets-0.9%
Return on Equity-8.87%
Interest Income$170,000
Rates

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Credit Union One Of Oklahoma Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.25%$75k-Share Savings Account
0.25%$75k-Club Account

Credit Union One Of Oklahoma Money Market Rates

DetailsAPYMINMAXPRODUCT
0.25%$75k-Your Money Market Checking Account

Credit Union One Of Oklahoma Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.10%$100-Basic Checking Account
0.10%$100-Advantage Checking Account
0.10%$100-Select Checking Account

Credit Union One Of Oklahoma CD Rates

DetailsAPYMINMAXPRODUCT
0.95%$500-4 Year Share Certificate
0.85%$500-3 Year Share Certificate
0.75%$500-2 Year Share Certificate
0.70%$500-18 Month Share Certificate
0.55%$500-1 Year Share Certificate
0.45%$2,500-182 Day Share Certificate

Credit Union One Of Oklahoma IRA Rates

DetailsAPYMINMAXPRODUCT
0.95%$500-4 Year IRA Certificate
0.85%$500-3 Year IRA Certificate
0.75%$500-2 Year IRA Certificate
0.55%$500-1 Year IRA Certificate
Locations


Credit Union One Of Oklahoma Locations
Branch Office121 SW 89th StOklahoma City, OK 73139
Branch Office2400 N Lincoln BlvdOklahoma City, OK 73105-4601
Branch Office14101 N May Ave Ste 101Oklahoma City, OK 73134-5071
Branch Office3330 N Lincoln BlvdOklahoma City, OK 73105-5406