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Overview / Commentary
420 NE 10th St
Oklahoma City, OK 73104

The Focus is headquartered in Oklahoma City and is the 21st largest credit union in the state of Oklahoma. It is also the 1,530th largest credit union in the nation. It was established in 1955 and as of March of 2014, it had grown to 40 employees and 10,517 members. The Focus' money market rates are 70% higher than the national average, and it has a B+ health rating.

Field of Membership Restrictions

Must be an employee of one of the several select employee groups. - See Details

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Data for Q1 2014

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. The Focus has a relatively low asset base.

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 The Focus had $451,000 in non-current loans and owned real-estate with $7.76 million in equity and loan loss allowances on hand to cover it. This gives The Focus a Texas Ratio of 5.81% 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 The Focus experienced no significant changes from 5.51% as of March 31, 2013 to 5.81% as of March 31, 2014, resulting in a negative change of 5.60%. This indicates that the balance sheet and financial strength for The Focus has had no significant changes in recent periods.

Deposit Growth


In the past year, The Focus has increased its total deposits by $5.13 million, resulting in 6.01% 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 The Focus 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. The Focus has $99.23 million in assets with $7.76 million in equity, resulting in a capitalization level of 7.82%, which is below average.

Institution Statistics

NCUA #10283
Year Chartered1955
Primary Regulator
Assets and Liabilities
Assets$99.23 million
Loans$79.20 million
Deposits$90.47 million
Equity Capital$7.12 million
Loan Loss Allowance$638,000
Unbacked Noncurrent Loans$365,000
Real Estate Owned$86,000
Historic Data - March 2013
Assets$93.79 million
Equity Capital$7.09 million
Loan Loss Allowance$685,000
Unbacked Noncurrent Loans$365,000
Real Estate Owned$74,000
Profit Margin - Quarterly
Return on Assets0.33%
Return on Equity4.66%
Interest Income$841,000

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The Focus Savings Account Rates

0.25%--IRA Savings Account
0.10%--Membership Savings Account
0.10%--Club Savings Account

The Focus Money Market Rates

0.75%$75k-Money Market Checking Account

The Focus Checking Account Rates

0.05%--Perks Plus Checking

The Focus CD Rates

1.50%$1k-48 Month CD
1.30%$1k-36 Month CD
0.90%$1k-24 Month CD
0.70%$1k-18 Month CD
0.55%$1k-12 Month CD
0.40%$1k-6 Month CD

The Focus IRA Rates

1.50%$1k-48 Month IRA
1.30%$1k-36 Month IRA
0.90%$1k-24 Month IRA
0.70%$1k-18 Month IRA
0.55%$1k-12 Month IRA

The Focus Locations
Branch Office13325 N MacArthur Blvd Ste 1Oklahoma City, OK 73142-3091
Branch Office5501 N Portland AveOklahoma City, OK 73112-2074
Branch Office1704 S 1st StChickasha, OK 73018-6011
Branch Office420 NE 10th StOklahoma City, OK 73104