Credit Union One Of Oklahoma

Credit Union One Of Oklahoma is headquartered in Oklahoma City and is the 31^st largest credit union in the state of Oklahoma. It is also the 2,523^rd largest credit union in the nation. It was established in 1949 and as of December of 2011, it had grown to 17 employees and 11,948 members. Credit Union One Of Oklahoma has a 5-star health rating.

Credit Union One Of Oklahoma Routing Number: 303085191

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Data for Q4 2011

Institution Statistics CREDIT UNION ONE OF OKLAHOMA NCUA # 64850 BankRate Report View Year Chartered 1949 Employees 17 Primary Regulator Assets and Liabilities Assets $40.31 million Loans $13.69 million Deposits $34.56 million Equity Capital $5.37 million Loan Loss Allowance $179,000 Unbacked Noncurrent Loans $110,000 Historic Data - December 2010 Assets $33.77 million Equity Capital $5.07 million Loan Loss Allowance $61,000 Unbacked Noncurrent Loans $34,000 Real Estate Owned $24,000 Profit Margin - Quarterly Net Interest Margin 4.84% Return on Assets -0.58% Return on Equity -4.36% Interest Income $863,000 Non-Interest Income $751,000

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Credit Union One Of Oklahoma had $110,000 in non-current loans and owned real-estate with $5.55 million in equity and loan loss allowances on hand to cover it. This gives Credit Union One Of Oklahoma a Texas Ratio of 1.98% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Credit Union One Of Oklahoma held steady from 1.13% as of December 31, 2010 to 1.98% as of December 31, 2011, resulting in a negative change of 75.47%. This indicates that the balance sheet and financial strength for Credit Union One Of Oklahoma has held steady in recent periods. Deposit Growth In the past year, Credit Union One Of Oklahoma has increased its total deposits by $6.11 million, resulting in 21.48% 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 excellent. Capitalization 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 $40.31 million in assets with $5.55 million in equity, resulting in a capitalization level of 13.76%, which is excellent.

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