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Overview / Commentary
3001 N Lincoln Blvd
Oklahoma City, OK 73105

Oklahoma Employees Credit Union is headquartered in Oklahoma City and is the 9th largest credit union in the state of Oklahoma. It is also the 511st largest credit union in the nation. It was established in 1954 and as of March of 2014, it had grown to 126 employees and 42,032 members. Oklahoma Employees Credit Union's savings rates are 35% higher than the national average, and it boasts a A+ health rating.

Field of Membership Restrictions

Anyone who lives, works, worships or attends school in Oklahoma, Canadian, Cleveland, Grady, Lincoln, Logan, McClain, or Pottawatomie Counties. - See Details

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Data for Q1 2014

Institution Health


Texas Ratio


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 Oklahoma Employees Credit Union had $1.15 million in non-current loans and owned real-estate with $54.68 million in equity and loan loss allowances on hand to cover it. This gives Oklahoma Employees Credit Union a Texas Ratio of 2.11% 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 Oklahoma Employees Credit Union experienced no significant changes from 1.77% as of March 31, 2013 to 2.11% as of March 31, 2014, resulting in a negative change of 19.30%. This indicates that the balance sheet and financial strength for Oklahoma Employees Credit Union has had no significant changes in recent periods.

Deposit Growth


In the past year, Oklahoma Employees Credit Union has increased its total deposits by $14.17 million, resulting in 4.02% 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 Oklahoma Employees Credit Union has shown is excellent.



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. Oklahoma Employees Credit Union has $432.26 million in assets with $54.68 million in equity, resulting in a capitalization level of 12.65%, which is excellent.

Institution Statistics

NCUA #65032
Year Chartered1954
Primary Regulator
Assets and Liabilities
Assets$432.26 million
Loans$321.24 million
Deposits$366.38 million
Equity Capital$51.10 million
Loan Loss Allowance$3.58 million
Unbacked Noncurrent Loans$1.15 million
Real Estate Owned$0
Historic Data - March 2013
Assets$407.19 million
Equity Capital$45.11 million
Loan Loss Allowance$3.32 million
Unbacked Noncurrent Loans$1.15 million
Real Estate Owned$84,000
Profit Margin - Quarterly
Net Interest Margin1.07%
Return on Assets1.2%
Return on Equity10.11%
Interest Income$4.36 million
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Oklahoma Employees Credit Union Savings Account Rates

0.70%$250k-Share Savings Account

Oklahoma Employees Credit Union Checking Account Rates

0.25%--Perk Checking
0.15%--Privilege Checking

Oklahoma Employees Credit Union CD Rates

1.51%$500-60 Month CD
1.46%$500-48 Month CD
1.31%$500-36 Month CD
1.05%$500-24 Month CD
1.05%$500-30 Month CD
0.75%$500-12 Month CD
0.75%$500-18 Month CD
0.65%$2,500-6 Month CD

Oklahoma Employees Credit Union IRA Rates

1.51%$500-60 Month IRA Certificate
1.46%$500-48 Month IRA Certificate
1.31%$500-36 Month IRA Certificate
1.05%$500-24 Month IRA Certificate
1.05%$500-30 Month IRA Certificate
0.75%$500-12 Month IRA Certificate
0.75%$500-18 Month IRA Certificate

Oklahoma Employees Credit Union Locations
Branch Office200 NE 21st StOklahoma City, OK 73105
Branch Office3001 N Lincoln BlvdOklahoma City, OK 73105
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Branch Office7230 NW ExpresswayOklahoma City, OK 73132-1543
Branch Office15100 N May AveEdmond, OK 73013-8803
Branch Office3001 N Lincoln BlvdOklahoma City, OK 73105
Branch Office717 S Houston AveTulsa, OK 74127-9023