Civic Intelligence

Oklahoma Central Credit Union

990 • Fiscal year 2017 • EIN 73-0731221

Jan 01, 2017 to Dec 31, 2017 • Filed on Nov 14, 2018

Organization ProfileWWW.OCCU.ORG

View Organization Page

4956 S Peoria AveTulsa, OK 74105

(918) 664-6000

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

24th percentile

0.87x

Higher debt load relative to assets than 24% of similar nonprofits.

2017 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2017

Liabilities / Revenue

48th percentile

17.26x

Higher debt load relative to revenue than 48% of similar nonprofits.

2017 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2017

Net Margin

37th percentile

11%

Higher net margin than 37% of similar nonprofits.

2017 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2017

Top Officer Pay

90th percentile

$757,277

Higher top officer pay than 90% of similar nonprofits.

Top officer pay equals 2.8% of source-year revenue.

2017 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2017

Asset Growth

16th percentile

1.6%

Faster asset growth than 16% of similar nonprofits.

2017 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2016 to 2017

Revenue Growth

58th percentile

9.1%

Faster revenue growth than 58% of similar nonprofits.

2017 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2016 to 2017

Balance Sheet
Liabilities / Assets24th percentile

Assets

Up

$539,487,608

Up $8,297,421 (+1.6%) from 2016

Net Assets

Up

$71,954,984

Up $3,433,395 (+5.0%) from 2016

Liabilities

Up

$467,532,624

Up $4,864,026 (+1.1%) from 2016

Revenue And Expenses
Liabilities / Revenue48th percentileNet Margin37th percentile

Revenue

Up

$27,082,459

Up $2,251,597 (+9.1%) from 2016

Expenses

Up

$24,225,515

Up $2,021,684 (+9.1%) from 2016

Net Income

Up

$2,856,944

Up $229,913 (+8.8%) from 2016

Historical Trend

Balance Sheet Trend

Asset Growth16th percentile

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$800M$600M$400M$200M$0Assets 2011: $445,999,699Liabilities 2011: $386,398,359Net Assets 2011: $59,601,3402011Assets 2012: $474,907,726Liabilities 2012: $411,494,875Net Assets 2012: $63,412,8512012Assets 2013: $476,176,474Liabilities 2013: $417,284,695Net Assets 2013: $58,891,7792013Assets 2014: $493,391,510Liabilities 2014: $428,892,397Net Assets 2014: $64,499,1132014Assets 2015: $511,786,434Liabilities 2015: $445,676,725Net Assets 2015: $66,109,7092015Assets 2016: $531,190,187Liabilities 2016: $462,668,598Net Assets 2016: $68,521,5892016Assets 2017: $539,487,608Liabilities 2017: $467,532,624Net Assets 2017: $71,954,9842017Assets 2018: $554,749,561Liabilities 2018: $482,598,343Net Assets 2018: $72,151,2182018Assets 2019: $580,520,428Liabilities 2019: $503,673,988Net Assets 2019: $76,846,4402019Assets 2020: $662,316,829Liabilities 2020: $578,674,644Net Assets 2020: $83,642,1852020Assets 2021: $713,131,238Liabilities 2021: $630,443,132Net Assets 2021: $82,688,1062021Assets 2022: $692,106,442Liabilities 2022: $629,259,241Net Assets 2022: $62,847,2012022Assets 2023: $672,849,029Liabilities 2023: $598,404,663Net Assets 2023: $74,444,3662023Assets 2024: $686,876,830Liabilities 2024: $605,739,032Net Assets 2024: $81,137,7982024

Highlighted filing

2017

Assets$539,487,608
Liabilities$467,532,624
Net Assets$71,954,984
Open 2017 Filing

Operations Trend

Revenue Growth58th percentile

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$40M$30M$20M$10M$0Expenses 2011: $19,961,9512011Expenses 2012: $19,018,7802012Revenue 2013: $20,248,131Expenses 2013: $18,711,980Net Income 2013: $1,536,1512013Revenue 2014: $20,949,007Expenses 2014: $18,408,098Net Income 2014: $2,540,9092014Revenue 2015: $20,921,966Expenses 2015: $18,734,046Net Income 2015: $2,187,9202015Revenue 2016: $24,830,862Expenses 2016: $22,203,831Net Income 2016: $2,627,0312016Revenue 2017: $27,082,459Expenses 2017: $24,225,515Net Income 2017: $2,856,9442017Revenue 2018: $27,287,380Expenses 2018: $26,470,285Net Income 2018: $817,0952018Revenue 2019: $29,411,171Expenses 2019: $27,068,863Net Income 2019: $2,342,3082019Revenue 2020: $28,267,614Expenses 2020: $24,975,455Net Income 2020: $3,292,1592020Revenue 2021: $26,539,012Expenses 2021: $22,526,783Net Income 2021: $4,012,2292021Revenue 2022: $26,582,769Expenses 2022: $22,766,019Net Income 2022: $3,816,7502022Revenue 2023: $34,863,456Expenses 2023: $28,010,061Net Income 2023: $6,853,3952023Revenue 2024: $38,207,802Expenses 2024: $33,147,541Net Income 2024: $5,060,2612024

Highlighted filing

2017

Revenue$27,082,459
Expenses$24,225,515
Net Income$2,856,944
Open 2017 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
Nov 14, 2018
Return Version
2017v2.3
Gross Receipts
$102,742,205
Mission and Program Overview

Mission

Oklahoma central credit union is a 501(c)(14), state chartered credit union. Oklahoma central credit union provides consumer and business financial services to include deposit accounts, investments, and loans. Our mission is to make a difference in the lives of our employees, members, and the communities we serve.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$328,428,642$375,818,233▲ $47,389,591
Investments Other Securities$141,799,534$94,819,824▼ $46,979,710
Rtn Earn Endowment Incm Other Fnds$68,521,589$71,954,984▲ $3,433,395
Cash and Non-Interest-Bearing Accounts$27,004,829$31,308,237▲ $4,303,408
Land, Buildings, and Equipment, Net$18,640,513$21,434,649▲ $2,794,136
Accounts Receivable$1,655,744$2,092,216▲ $436,472
Prepaid Expenses and Deferred Charges$1,422,934$1,263,418▼ $159,516
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$531,190,187$539,487,608▲ $8,297,421
Other Assets Total$12,237,991$12,751,031▲ $513,040
Liabilities
Other Liabilities$458,513,233$463,857,812▲ $5,344,579
Accounts Payable and Accrued Expenses$3,766,167$3,301,780▼ $464,387
Escrow Account Liability$389,198$373,032▼ $16,166
Total Liabilities$462,668,598$467,532,624▲ $4,864,026
Net Assets / Fund Balance
Total Net Assets Fund Balance$68,521,589$71,954,984▲ $3,433,395
Total Liabilities and Net Assets / Fund Balance$531,190,187$539,487,608▲ $8,297,421

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$8,972,092$6,185,050$15,157,142
Equipment$2,799,143$8,110,752$10,909,895
Land$8,165,697-$8,165,697
Leasehold Improvements$1,493,751$326,463$1,820,214
Other Land Buildings$3,966-$3,966
Other Securities$3,520,000--
Compensation and Service Providers
Top Officer Pay90th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Gina WilsonCEOFT$297,272$465,569$762,841
Brad ScheidtCSO/acting CFO April to DecFT$132,719$36,088$168,807
Shelli SchroederCOOFT$123,400$45,161$168,561
Leilani HarpoleCAOFT$117,069$40,088$157,157
Aaron BedingfieldAsst VP Systems IntegrationFT$105,915$20,589$126,504
Bill JolinVP FinanceFT$122,252$3,578$125,830
Cynthia CampbellVP of Innovation and StrategyFT$106,969$12,338$119,307
Darrin BellCFO (until April 2017)FT$52,542$9,690$62,232

Board Members and Trustees

NameTitle
Penny CheffeyChair
Gordon SprouseVice Chair
Andy MurphreeDirector
Jerry HendersonDirector
Susan PhelpsDirector
Tom HilleDirector
Anne DormanSecretary/treasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
Thompson ConnstructionConstruction8141 E 74TH PL, Tulsa, OK 74133$1,818,577
Xp SystemsComputer75 REMITTANCE DR SUITE 6963, Chicago, IL 60675$960,238
TransfundAtm ProcessingPO BOX 2300, Tulsa, OK 74192$636,430
SagenetComputer10205 E 61ST ST, Tulsa, OK 74133$523,830
Digital InsightStatements/home BankingPO BOX 515306, Los Angeles, CA 90051$466,346
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$24,158,651
Investment Income
$2,880,001
Other Revenue
$43,807
Change in Net Assets
$2,856,944

Audited Revenue Reconciliation

Revenue per Audited Statements
$27,082,458
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$27,082,458
Total Revenue per Form 990
$27,082,458
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$13,939,935
Salaries, Compensation, and Employee Benefits$8,041,381
Grants and Similar Amounts Paid$16,761
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$5,578,561
Office Expenses---$3,218,873
Benefits to Members---$2,227,438
Information Technology---$1,830,258
Depreciation Depletion---$1,476,709
Occupancy---$1,256,434
Current Officers, Directors, Trustees, and Key Employees---$994,440
Other Employee Benefits---$866,065
Advertising---$675,286
Payroll Taxes---$456,876
Fees for Services Other---$299,231
Other Expenses---$216,209
Pension Plan Contributions---$145,439
Fees for Services Accounting---$137,961
Insurance---$132,666
Travel---$127,118
Grants to Domestic Orgs---$16,761
Interest---$3,221
Total Functional Expenses$0$0$0$24,225,515

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$24,225,515
Total Expenses per Audited Statements$24,225,515
Total Expenses per Form 990$24,225,515
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
International Activity

Grant and Assistance Recipients

RecipientLocationCategoryPurposeAmount
Oklahoma Central Foundation IncTulsa, OK501(c)(3)Foundation Support$16,761
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Share Accounts$142,257,828
Money Market Accounts$112,953,364
Share Draft Accounts$93,337,346
Share & Ira Certificates$80,559,827
Individual Retirement Accounts$34,749,447
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“The credit union's members have rights to elect the members of the governing body. The credit union's members also receive a share of the organization's profits in the form of cash dividends.”

Form 990, Part VI, Section A, Line 7A

“Members of the credit union have the right to elect one or more members of the organization's governing body, whether periodically, or as vacancies arise, or otherwise.”

Form 990, Part VI, Section A, Line 7B

“Members of the credit union have the right to approve the governing body's election and removal of members of the governing body, as well as other matters that are subject to the approval of members of the credit union as they occur.”

Form 990, Part VI, Section B, Line 11B

“The cfo reviews form 990 and discusses it with the ceo. A report is then presented to the board of directors before filing with the irs.”

Form 990, Part VI, Section B, Line 12C

“Annually, all employees, bod and volunteers sign conflict of interest policy; internal audits are performed on employee accounts and the hr area; employee accounts are reviewed monthly via hr and the ceo; annually employees must disclose accounts that they are primary or joint on and any accounts of immediate family members; an official family report is presented to the bod monthly on loan status.”

Form 990, Part VI, Section B, Line 15

“A third party compensation consultant services is used. Software is provided to administer and maintain compensation levels of all staff. Compensation is based on job evaluations and grade levels. Grade levels dictate whether range is at the national, regional or local levels. Overall grade level system testing is done periodically and for specific occurrences with an outside consultant when new positions are added or at the request of the credit union. A compensation salary survey compiled by national association is provided to the bod. The bod uses survey and grade level information to evaluate ceo. Bod meets independently of regular meeting for compensation discussion annually of ceo.”

Form 990, Part VI, Section C, Line 19

“Statement of financial condition is posted monthly in all branch locations and key statistics are posted on our website, www.occu.org. All information can also be viewed on our quarterly call report through the ncua.gov website. Audited financial statements are made available upon request. Annual reports are given to membership upon request. Any public requested documents are made available for the same period of disclosure as set forth in section 6104(d).”

Filing and Contact Details

Filer

Filer Name
Oklahoma Central Credit Union
EIN
73-0731221
Phone
9186646000
Address
4956 S PEORIA AVE, TULSA, OK 74105

Signing Officer

Name
Brad a Scheidt
Title
Evp
Phone
9186646000
Signed
2018-11-14
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Gina Wilson
Formed
1941
Legal Domicile
Ok
Voting Board Members
7
Independent Board Members
7
Employees
193
Volunteers
9

Preparer

Firm
Rsm US Llp
Address
801 NICOLLET MALL SUITE 1100, MINNEAPOLIS, MN 55402
Preparer
Gerald B Kissell
Phone
6123324300
Supplemental Narrative

Additional Explanations

FORM 990, PART XI, LINE 9:

“Reclass for gains on investements included in net income -284,270.”

Form 990, Part I, Line 6

“Oklahoma central credit union has 7 directors and 2 supervisory committee members, all of whom are volunteers.”

Financial Statement Notes

PART IV, LINE 2B:

“Escrow accounts are maintained by the credit union for the benefit of paying taxes and/or insurance on behalf of mortgage holders.”

PART X, LINE 2:

“Management has assessed the credit union's activities and any potential federal income tax liability and determined that the credit union has no uncertain tax positions that qualify for either recognition or disclosure in the consolidated financial statements. Additionally, no interest and penalties have been recorded in the accompanying financial statements related to uncertain tax positions. Currently, the 2016, 2015, and 2014 federal income tax returns are open for examination by the irs. The filing years open for examination by the state, if applicable, may be different than the years open for examination by the irs.”

Raw XML AppendixShowing 400 of 633 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990/ActivityOrMissionDesc0OKLAHOMA CENTRAL CREDIT UNION IS A 501(C)(14), STATE CHARTERED CREDIT UNION. OKLAHOMA CENTRAL CREDIT UNION PROVIDES CONSUMER AND BUSINESS FINANCIAL SERVICES TO INCLUDE DEPOSIT ACCOUNTS, INVESTMENTS, AND LOANS. OUR MISSION IS TO MAKE A DIFFERENCE IN THE LIVES OF OUR EMPLOYEES, MEMBERS, AND THE COMMUNITIES WE SERVE.
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IRS990/Desc0PROMOTE SAVINGS AND PROVIDE FINANCIAL SERVICES TO MEMBER/OWNERS - OVERALL DEPOSIT BALANCES GREW IN 2017 BY $5.3M OR 1.16% OVER THE PREVIOUS YEAR. SOME OF THE SAVINGS CATEGORY CHANGES DURING THE YEAR WERE: SAVINGS AT $1.1M (0.78%); CHECKING AT $3.0M (3.4%); REGULAR CERTIFICATES AT $4.5M (7.7%); MMAS AT -$1.0M (-0.92%); IRA SAVINGS AT -$3.3M (-8.6%); IRA CD AT $960K (5.8%). THIS REPRESENTS A TOTAL OF 68,671 ACCOUNTS FROM A MEMBERSHIP TOTAL OF 44,876 WITH AN AVERAGE SAVINGS OF $10,345 PER MEMBER. A NO MONTHLY SERVICE CHARGE CONSUMER CHECKING ACCOUNT CONTINUED TO BE POPULAR AND GENERATED 1,576 NEW ACCOUNTS. OUR LOW-FEE COMMERCIAL CHECKING ACCOUNT CREATED 61 NEW CHECKING ACCOUNTS. THE CREDIT UNION CONTINUED INVOLVEMENT IN THE SHARED BRANCHING NETWORK AND OFFERS 5 CONVENIENT LOCATIONS TO OUR MEMBERSHIP. OUR FINANCIAL WELLNESS PROGRAM PROVIDES EMPLOYEES OF OUR SEGS WITH VALUABLE INFORMATION DESIGNED TO INCREASE THEIR FINANCIAL KNOWLEDGE. THESE PROGRAMS ARE OFFERED TO SEVERAL OF OUR SEG GROUPS AND CONTINUE TO BE POPULAR. A FINANCIAL LITERACY PROGRAM OFFERED SEMINARS TO MEMBERS COVERING A WIDE ARRAY OF TOPICS DESIGNED TO HELP MEMBERS BETTER MANAGE THEIR PERSONAL FINANCES. TURBOTAX PRODUCTS ARE OFFERED AT A DISCOUNTED RATE TO OUR MEMBERSHIP ALONG WITH OUR FREE BILL PAYMENT SYSTEM AND MONEY MANAGEMENT, A FREE MONEY MANAGEMENT TOOL.
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IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OfficerInd3X
IRS990/Form990PartVIISectionAGrp/OfficerInd4X
IRS990/Form990PartVIISectionAGrp/OfficerInd5X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt7412217
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt89690
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt913030
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1026166
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1119786
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt123578
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1312338
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1420589
IRS990/Form990PartVIISectionAGrp/PersonNm0PENNY CHEFFEY
IRS990/Form990PartVIISectionAGrp/PersonNm1GORDON SPROUSE
IRS990/Form990PartVIISectionAGrp/PersonNm2ANNE DORMAN
IRS990/Form990PartVIISectionAGrp/PersonNm3JERRY HENDERSON
IRS990/Form990PartVIISectionAGrp/PersonNm4TOM HILLE
IRS990/Form990PartVIISectionAGrp/PersonNm5SUSAN PHELPS
IRS990/Form990PartVIISectionAGrp/PersonNm6ANDY MURPHREE
IRS990/Form990PartVIISectionAGrp/PersonNm7GINA WILSON
IRS990/Form990PartVIISectionAGrp/PersonNm8DARRIN BELL
IRS990/Form990PartVIISectionAGrp/PersonNm9BRAD SCHEIDT
IRS990/Form990PartVIISectionAGrp/PersonNm10SHELLI SCHROEDER
IRS990/Form990PartVIISectionAGrp/PersonNm11LEILANI HARPOLE
IRS990/Form990PartVIISectionAGrp/PersonNm12BILL JOLIN
IRS990/Form990PartVIISectionAGrp/PersonNm13CYNTHIA CAMPBELL
IRS990/Form990PartVIISectionAGrp/PersonNm14AARON BEDINGFIELD
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt7345060
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt852542
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt9152250
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10140109
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt11135463
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt12122252
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt13106969
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt14105915
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt130
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt140
IRS990/Form990PartVIISectionAGrp/TitleTxt0CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt2SECRETARY/TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt3DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt8CFO (UNTIL APRIL 2017)
IRS990/Form990PartVIISectionAGrp/TitleTxt9CSO/ACTING CFO APRIL TO DEC
IRS990/Form990PartVIISectionAGrp/TitleTxt10COO
IRS990/Form990PartVIISectionAGrp/TitleTxt11CAO
IRS990/Form990PartVIISectionAGrp/TitleTxt12VP FINANCE
IRS990/Form990PartVIISectionAGrp/TitleTxt13VP OF INNOVATION AND STRATEGY
IRS990/Form990PartVIISectionAGrp/TitleTxt14ASST VP SYSTEMS INTEGRATION
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/Form990TFiledInd01
IRS990/FormationYr01941
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/SecuritiesAmt0284270
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt07
IRS990/GrantsToDomesticOrgsGrp/TotalAmt016761
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd01
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt075944016
IRS990/GrossReceiptsAmt0102742205
IRS990/GrossRentsGrp/RealAmt043807
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt07
IRS990/IndivRcvdGreaterThan100KCnt08
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartIIIInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InformationTechnologyGrp/TotalAmt01830258
IRS990/InsuranceGrp/TotalAmt0132666
IRS990/InterestGrp/TotalAmt03221
IRS990/InvestmentIncomeGrp/ExclusionAmt02595731
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt02595731
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt0141799534
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt094819824
IRS990/IRPDocumentCnt010759
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt014622265
IRS990/LandBldgEquipBasisNetGrp/BOYAmt018640513
IRS990/LandBldgEquipBasisNetGrp/EOYAmt021434649
IRS990/LandBldgEquipCostOrOtherBssAmt036056914
IRS990/LegalDomicileStateCd0OK
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt075659746
IRS990/LessRentalExpensesGrp/RealAmt00
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd01
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0OKLAHOMA CENTRAL CREDIT UNION IS A 501(C)(14), STATE CHARTERED CREDIT UNION. OKLAHOMA CENTRAL CREDIT UNION PROVIDES CONSUMER AND BUSINESS FINANCIAL SERVICES TO INCLUDE DEPOSIT ACCOUNTS, INVESTMENTS, AND LOANS. OUR MISSION IS TO MAKE A DIFFERENCE IN THE LIVES OF OUR EMPLOYEES, MEMBERS, AND THE COMMUNITIES WE SERVE.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt068521589
IRS990/NetAssetsOrFundBalancesEOYAmt071954984
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt0284270
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0284270
IRS990/NetRentalIncomeOrLossGrp/ExclusionAmt043807
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt043807
IRS990/NetUnrelatedBusTxblIncmAmt0-11627
IRS990/NetUnrlzdGainsLossesInvstAmt0860722
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt01256434
IRS990/OfficeExpensesGrp/TotalAmt03218873
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt012237991
IRS990/OtherAssetsTotalGrp/EOYAmt012751031
IRS990/OtherChangesInNetAssetsAmt0-284270
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0866065
IRS990/OtherExpensesGrp/Desc0PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc1LOAN SERVICING COSTS
IRS990/OtherExpensesGrp/Desc2STATE INCOME TAX
IRS990/OtherExpensesGrp/TotalAmt04080783
IRS990/OtherExpensesGrp/TotalAmt1485186
IRS990/OtherExpensesGrp/TotalAmt2216209
IRS990/OtherLiabilitiesGrp/BOYAmt0458513233
IRS990/OtherLiabilitiesGrp/EOYAmt0463857812
IRS990/OtherSalariesAndWagesGrp/TotalAmt05578561
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0328428642
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0375818233
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0456876
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0145439
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt01422934
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt01263418
IRS990/PrincipalOfficerNm0GINA WILSON
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/BusinessCd3522100
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST INCOME ON LOANS TO MEMBE
IRS990/ProgramServiceRevenueGrp/Desc1SERVICE CHARGES AND OTHER FEES
IRS990/ProgramServiceRevenueGrp/Desc2INTERCHANGE INCOME
IRS990/ProgramServiceRevenueGrp/Desc3OTHER INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt017729500
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt12920419
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt22318919
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt3985454
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt017729500
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt13124778
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt22318919
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt3985454
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt0204359
IRS990/ProgSrvcAccomActy2Grp/Desc0PROVIDE ENHANCED ACCESS TO CREDIT AT REASONABLE RATES - THE CREDIT UNION USES A PRUDENT LENDING PHILOSOPHY TO OFFER VARIOUS LOAN PRODUCTS AT A LOW COST FOR MEMBERS TO FINANCE THEIR HOMES, AUTOMOBILES, BOATS, COLLEGE EXPENSES, ETC. DURING 2017, THE CREDIT UNION APPROVED 9,567 LOAN REQUESTS FOR OVER $178.3M. A TOTAL OF 216 REAL ESTATE LOANS WERE APPROVED WITH A DOLLAR AMOUNT OF $15.9M. IN THE MEMBER BUSINESS ARENA, WE APPROVED 19 COMMERCIAL LOAN REQUESTS TOTALING $4.1M FOR MEMBERS. THE CREDIT UNION IS IN ITS TENTH YEAR OF COMMERCIAL LENDING - A DIRECT RESPONSE TO OUR SMALL BUSINESS OWNERS' REQUESTS FOR FINANCIAL SERVICES. PRODUCT OFFERINGS ALSO INCLUDED SHORTER TERM (7-YEAR) MORTGAGE LOANS AT LOWER RATES. THE CREDIT UNION CONTINUES OFFERING HOME PROTECTION LOANS (STORM SHELTERS, GENERATORS, ETC.) AT A VERY LOW INTEREST RATE TO HELP MEMBERS AFFORD THE COSTLY EXPENSE OF ADDING A FORTIFIED STORM SHELTER AND BACKUP POWER GENERATION TO THEIR RESIDENCE.
IRS990/ProgSrvcAccomActy3Grp/Desc0COMMUNITY INVOLVEMENT: OKLAHOMA CENTRAL CREDIT UNION CONTINUES TO SUPPORT AND BE ACTIVE IN THE COMMUNITIES WE SERVE. IN 2017, OKLAHOMA CENTRAL SPONSORED OR WAS INVOLVED IN THE FOLLOWING: (1) CREDIT UNION YOUTH MONTH (2) THE ANNUAL CHARITY CONCERT AND RAISED OVER $12,000 FOR THE OKLAHOMA CENTRAL FOUNDATION. THIS MONEY WAS USED TO FUND THE SCHOLARSHIP PROGRAM AND FINANCIAL LITERACY PROGRAMS. (3) THE CU RIDE. EMPLOYEES, MEMBERS, FRIENDS, AND FAMILY OF CREDIT UNIONS FROM AROUND THE AREA JOINED TOGETHER TO RIDE TO AND DELIVER STUFFED DOGS TO THE CHILDREN'S HOSPITAL AT ST. FRANCIS. (4) THE CREDIT UNION ONCE AGAIN ALLOWED STAFF 40 PAID HOURS OF COMMUNITY SERVICE TO GIVE BACK TO THE COMMUNITY. TO NAME A COUPLE OF BENEFICIARIES OF OUR 40 PAID HOURS OF COMMUNITY SERVICE ARE THE SPECIAL OLYMPICS OF OKLAHOMA AND THE ST. PIUS X CATHOLIC SCHOOL. OKLAHOMA CENTRAL MADE FINANCIAL DONATIONS TO ORGANIZATIONS SUCH AS DVIS, FAMILY & CHILDREN'S SERVICES, JOHN 3:16 MISSION, AND ST. FRANCIS CHILDREN'S HOSPITAL JUST TO NAME A FEW.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt01859388
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt018700
IRS990/PYInvestmentIncomeAmt04457739
IRS990/PYOtherExpensesAmt012166578
IRS990/PYOtherRevenueAmt042467
IRS990/PYProgramServiceRevenueAmt020330656
IRS990/PYRevenuesLessExpensesAmt02627031
IRS990/PYSalariesCompEmpBnftPaidAmt08159165
IRS990/PYTotalExpensesAmt022203831
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt024830862
IRS990/ReconcilationRevenueExpnssAmt02856944
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd01
IRS990/RelatedOrganizationCtrlEntInd01
IRS990/RentalIncomeOrLossGrp/RealAmt043807
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt068521589
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt071954984
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/AgentTrusteeEtcInd00
IRS990ScheduleD/BeginningBalanceAmt0389198
IRS990ScheduleD/BuildingsGrp/BookValueAmt08972092
IRS990ScheduleD/BuildingsGrp/DepreciationAmt06185050
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt015157142
IRS990ScheduleD/EndingBalanceAmt0389198
IRS990ScheduleD/EquipmentGrp/BookValueAmt02799143
IRS990ScheduleD/EquipmentGrp/DepreciationAmt08110752
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt010909895
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt024225515
IRS990ScheduleD/ExplanationProvidedInd0X
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/InclEscrowCustodialAcctLiabInd01
IRS990ScheduleD/LandGrp/BookValueAmt08165697
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt08165697
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt01493751
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0326463
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt01820214
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt03966
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt03966
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0142257828
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt193337346
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt2112953364
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt334749447
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt480559827
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0SHARE ACCOUNTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1SHARE DRAFT ACCOUNTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2MONEY MARKET ACCOUNTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3INDIVIDUAL RETIREMENT ACCOUNTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc4SHARE & IRA CERTIFICATES
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt046328523
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt144971301
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt23520000
IRS990ScheduleD/OtherSecuritiesGrp/Desc0AVAILABLE FOR SALE: MORTGAGE BACKED SECURITIES
IRS990ScheduleD/OtherSecuritiesGrp/Desc1AVAILABLE FOR SALE: COLLATERALIZED MORTGAGE OBLIGATIONS
IRS990ScheduleD/OtherSecuritiesGrp/Desc2AVAILABLE FOR SALE: MUNICIPAL BONDS
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0F
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd1F
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd2F
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt027082458
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0ESCROW ACCOUNTS ARE MAINTAINED BY THE CREDIT UNION FOR THE BENEFIT OF PAYING TAXES AND/OR INSURANCE ON BEHALF OF MORTGAGE HOLDERS.
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt1MANAGEMENT HAS ASSESSED THE CREDIT UNION'S ACTIVITIES AND ANY POTENTIAL FEDERAL INCOME TAX LIABILITY AND DETERMINED THAT THE CREDIT UNION HAS NO UNCERTAIN TAX POSITIONS THAT QUALIFY FOR EITHER RECOGNITION OR DISCLOSURE IN THE CONSOLIDATED FINANCIAL STATEMENTS. ADDITIONALLY, NO INTEREST AND PENALTIES HAVE BEEN RECORDED IN THE ACCOMPANYING FINANCIAL STATEMENTS RELATED TO UNCERTAIN TAX POSITIONS. CURRENTLY, THE 2016, 2015, AND 2014 FEDERAL INCOME TAX RETURNS ARE OPEN FOR EXAMINATION BY THE IRS. THE FILING YEARS OPEN FOR EXAMINATION BY THE STATE, IF APPLICABLE, MAY BE DIFFERENT THAN THE YEARS OPEN FOR EXAMINATION BY THE IRS.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART IV, LINE 2B:

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2017 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$539,487,608
Liabilities
$467,532,624
Net assets
$71,954,984
Revenue
$27,082,459
Expenses
$24,225,515
Net income
$2,856,944
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$687$606$81.1$38.2$33.1$5.06
2023Summary only. Only limited summary data is available for this year.$673$598$74.4$34.9$28.0$6.85
2022Summary only. Only limited summary data is available for this year.$692$629$62.8$26.6$22.8$3.82
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$713$630$82.7$26.5$22.5$4.01
2020Summary only. Only limited summary data is available for this year.$662$579$83.6$28.3$25.0$3.29
2019Facts available. Structured filing facts are available, but richer extracted sections are limited.$581$504$76.8$29.4$27.1$2.34
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$555$483$72.2$27.3$26.5$0.82
2017Detailed filing. Detailed filing data is available for this year.$539$468$72.0$27.1$24.2$2.86
2016Summary only. Only limited summary data is available for this year.$531$463$68.5$24.8$22.2$2.63
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$512$446$66.1$20.9$18.7$2.19
2014Detailed filing. Detailed filing data is available for this year.$493$429$64.5$20.9$18.4$2.54
2013Detailed filing. Detailed filing data is available for this year.$476$417$58.9$20.2$18.7$1.54
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$475$411$63.4$19.0
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$446$386$59.6$20.0