Oklahoma Employees Credit Union

Oklahoma Employees Credit Union is headquartered in Oklahoma City and is the 9^th largest credit union in the state of Oklahoma. It is also the 506^th largest credit union in the nation. It was established in 1954 and as of December of 2011, it had grown to 107 employees and 40,776 members. Oklahoma Employees Credit Union's money market rates are 14% higher than the national average, and it boasts a 5-star health rating.

Oklahoma Employees Credit Union Checking Account Rates

Oklahoma Employees Credit Union Savings Account Rates

Oklahoma Employees Credit Union Money Market Rates

Oklahoma Employees Credit Union CD Rates

Oklahoma Employees Credit Union IRA Rates

Data for Q4 2011

Institution Statistics OKLAHOMA EMPLOYEES NCUA # 65032 BankRate Report View Year Chartered 1954 Employees 107 Primary Regulator Assets and Liabilities Assets $381.31 million Loans $262.11 million Deposits $319.41 million Equity Capital $41.33 million Loan Loss Allowance $3.07 million Unbacked Noncurrent Loans $1.31 million Real Estate Owned $58,000 Historic Data - December 2010 Assets $337.68 million Equity Capital $35.99 million Loan Loss Allowance $2.81 million Unbacked Noncurrent Loans $746,000 Real Estate Owned $11,000 Profit Margin - Quarterly Net Interest Margin 4.68% Return on Assets 1.39% Return on Equity 12.8% Interest Income $17.21 million Non-Interest Income $6.26 million

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 Oklahoma Employees Credit Union had $1.36 million in non-current loans and owned real-estate with $44.4 million in equity and loan loss allowances on hand to cover it. This gives Oklahoma Employees Credit Union a Texas Ratio of 3.07% 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 held steady from 1.95% as of December 31, 2010 to 3.07% as of December 31, 2011, resulting in a negative change of 57.59%. This indicates that the balance sheet and financial strength for Oklahoma Employees Credit Union has held steady in recent periods. Deposit Growth In the past year, Oklahoma Employees Credit Union has increased its total deposits by $33.91 million, resulting in 11.88% 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. 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. Oklahoma Employees Credit Union has $381.31 million in assets with $44.4 million in equity, resulting in a capitalization level of 11.64%, which is above average.

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