Civic Intelligence

Oklahoma Central Credit Union

990 • Fiscal year 2023 • EIN 73-0731221

Jan 01, 2023 to Dec 31, 2023 • Filed on Oct 11, 2024

Organization ProfileWWW.OKLAHOMACENTRAL.CREDITUNION

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

30th percentile

0.89x

Higher debt load relative to assets than 30% of similar nonprofits.

2023 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2023

Liabilities / Revenue

59th percentile

17.16x

Higher debt load relative to revenue than 59% of similar nonprofits.

2023 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2023

Net Margin

80th percentile

20%

Higher net margin than 80% of similar nonprofits.

2023 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2023

Top Officer Pay

78th percentile

$615,160

Higher top officer pay than 78% of similar nonprofits.

Top officer pay equals 1.8% of source-year revenue.

2023 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2023

Asset Growth

17th percentile

-2.8%

Faster asset growth than 17% of similar nonprofits.

2023 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2022 to 2023

Revenue Growth

79th percentile

31%

Faster revenue growth than 79% of similar nonprofits.

2023 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2022 to 2023

Balance Sheet
Liabilities / Assets30th percentile

Assets

Flat

$672,849,029

Flat from 2023

Net Assets

Flat

$74,444,366

Flat from 2023

Liabilities

Flat

$598,404,663

Flat from 2023

Revenue And Expenses
Liabilities / Revenue59th percentileNet Margin80th percentile

Revenue

Flat

$34,863,456

Flat from 2023

Expenses

Flat

$28,010,061

Flat from 2023

Net Income

Flat

$6,853,395

Flat from 2023

Historical Trend

Balance Sheet Trend

Asset Growth17th 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 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

2023

Assets$672,849,029
Liabilities$598,404,663
Net Assets$74,444,366
Open 2023 Filing

Operations Trend

Revenue Growth79th 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 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

2023

Revenue$34,863,456
Expenses$28,010,061
Net Income$6,853,395
Open 2023 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2023 to Dec 31, 2023
Signed
Oct 11, 2024
Return Version
2023v5.1
Gross Receipts
$42,946,234
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.

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$368,701,081$338,626,586▼ $30,074,495
Investments Other Securities$245,879,164$266,376,445▲ $20,497,281
Rtn Earn Endowment Incm Other Fnds$62,847,201$74,444,366▲ $11,597,165
Savings and Temporary Cash Investments$33,269,549$31,731,320▼ $1,538,229
Land, Buildings, and Equipment, Net$18,093,509$17,623,366▼ $470,143
Accounts Receivable$965,043$4,426,453▲ $3,461,410
Cash and Non-Interest-Bearing Accounts$4,868,969$3,776,748▼ $1,092,221
Prepaid Expenses and Deferred Charges$916,091$838,638▼ $77,453
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$692,106,442$672,849,029▼ $19,257,413
Other Assets Total$19,413,036$9,449,473▼ $9,963,563
Liabilities
Other Liabilities$626,526,227$595,935,225▼ $30,591,002
Accounts Payable and Accrued Expenses$2,436,058$2,164,142▼ $271,916
Escrow Account Liability$296,956$305,296▲ $8,340
Total Liabilities$629,259,241$598,404,663▼ $30,854,578
Net Assets / Fund Balance
Total Net Assets Fund Balance$62,847,201$74,444,366▲ $11,597,165
Total Liabilities and Net Assets / Fund Balance$692,106,442$672,849,029▼ $19,257,413

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$8,199,314$10,566,516$18,765,830
Equipment$1,681,513$13,107,697$14,789,210
Land$7,742,539-$7,742,539
Other Securities$2,057--
Compensation and Service Providers
Top Officer Pay78th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Eugenia WilsonPresident/CEOFT$364,807$250,353$615,160
Shelli SchroederEvp COOFT$183,105$58,792$241,897
William JolinCFOFT$150,604$37,811$188,415
Katrina MortonVP of LendingFT$129,850$40,509$170,359
Joyce WhiteVP of AccountingFT$124,063$32,771$156,834
Jeremy LippiattVP of Integrated TechnologyFT$136,491$12,279$148,770
Allen CofferVP of Strategic & InnovationFT$120,653$11,867$132,520
Marguerite VavrickDirector of Human ServicesFT$114,671$16,712$131,383

Board Members and Trustees

NameTitle
Tim HilleChairperson
Joel DollarVice Chairperson
Andy MurphreeDirector
Anne DormanDirector
John KushnerickDirector
Susan PhelpsDirector
Penny CheffeySecretary/treasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
FiservSoftware Services255 FISERV DRIVE, Brookfield, WI 53045$935,986
N2 Advertising LLCAdvertising6910 S YORKTOWN AVE SUITE 702753, Tulsa, OK 74170$887,045
Ncr CorporationStatements/home Banking864 SPRING STREET NW, Atlanta, GA 30308$859,063
TransfundAtm ProcessingPO BOX 740641, Los Angeles, CA 90074$354,874
RobinettAttorney401 S BOSTON AVE SUITE 1600, Tulsa, OK 74103$255,604
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$24,219,258
Investment Income
$9,871,565
Other Revenue
$772,633
Change in Net Assets
$6,853,395

Audited Revenue Reconciliation

Revenue per Audited Statements
$35,269,610
Revenue Not Reported on Financial Statements
$-406,154
Revenue Not Reported on Form 990
$0
Other Revenue Adjustments
$-406,154
Total Revenue per Audited Statements
$35,269,610
Total Revenue per Form 990
$34,863,456
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$17,535,552
Salaries, Compensation, and Employee Benefits$10,421,419
Grants and Similar Amounts Paid$53,090
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$7,230,152
Interest---$5,719,042
Office Expenses---$2,668,171
Information Technology---$2,361,569
Depreciation Depletion---$1,627,277
Occupancy---$1,415,236
Advertising---$1,410,432
Other Employee Benefits---$1,117,209
Current Officers, Directors, Trustees, and Key Employees---$1,045,472
Payroll Taxes---$620,123
Pension Plan Contributions---$408,463
Fees for Services Management---$403,845
Insurance---$219,599
Fees for Services Accounting---$156,160
Conferences and Meetings---$130,359
Grants to Domestic Orgs---$53,090
Fees for Services Legal---$43,755
Other Expenses---$-152,216
Total Functional Expenses$0$0$0$28,010,061

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Audited Statements$28,416,215
Expenses per Audited Statements$28,010,061
Total Expenses per Form 990$28,010,061
Expenses Not Reported on Form 990$406,154
Expenses Not Reported on Financial Statements$0
International Activity

Grant and Assistance Recipients

RecipientLocationCategoryPurposeAmount
Oklahoma Central Foundation IncTulsa, OK501(c)(3)Charitable Contribution$40,865
University of TulsaTulsa, OK501(c)(3)Charitable Contribution$7,100
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
Shares Accounts$207,549,410
Share Draft Accounts$148,127,245
Share and Ira Certificates$108,318,813
Money Market Accounts$107,802,474
Individual Retirement Accounts (ira)$24,137,283
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 35% controlled entity
No
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

“Oklahoma central credit union has members as specified by its bylaws.”

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

“Oklahoma central credit union members have the power to elect the board of directors at the annual meeting.”

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 A, Line 8B

“Oklahoma central credit union does not have committees with authority to act on the governing body's behalf.”

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

“The chief financial officer reviews the form 990 and discusses it with the chief executive officer. A draft of form 990 is presented to the board of directors prior to filing with the internal revenue service.”

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

“Oklahoma central credit union (the credit union) monitors and enforces compliance with the conflict-of-interest policy by annually distributing and requiring each board member to sign the board of directors code of conduct. The code of conduct includes the credit unions conflict of interest guidelines.”

Form 990, Part VI, Section B, Line 15

“A third-party compensation consultant service 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 oklahoma central credit union. A compensation salary survey compiled by a national association is provided to the board of directors. The board of directors uses survey and grade level information to evaluate the chief executive officer as well as other officers and key employees. The board of directors meets independently of regular meetings for compensation discussions annually of the chief executive officer. The board of directors keeps contemporaneous substantiation of the deliberation and decision. This process occurred in april 2024.”

Form 990, Part VI, Section C, Line 19

“Oklahoma central credit union (the credit union) makes its governing documents and financial statements available to the public upon request in the same time and manner as other disclosures required under internal revenue code 6104. The credit union does not have a separate conflict of interest policy. The code of conduct includes the credit unions conflict of interest guidelines which is not made available to the public.”

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
Bill Jolin
Title
CFO
Phone
9186646000
Signed
2024-10-11
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Eugenia Wilson
Formed
1941
Legal Domicile
Ok
Voting Board Members
7
Independent Board Members
7
Employees
177
Volunteers
9

Preparer

Firm
Doeren Mayhew
Address
305 WEST BIG BEAVER ROAD, TROY, MI 48084
Preparer
Robert Parks CPA
Phone
2482443000
Supplemental Narrative

Additional Explanations

FORM 990, PART XI, LINE 9:

“Reclassification adjustment for net investment (gains)/losses included in net income 406,154. Cumulative effect from change in accounting principle -125,653.”

Form 990, Part XII, Line 2C

“The oversight and selection process has not changed from the prior tax year.”

Financial Statement Notes

PART IV, LINE 2B:

“The organization's escrow accounts are maintained by oklahoma central credit union for the benefit of paying real estate taxes and/or insurance on behalf of the credit union's members that hold mortgages.”

PART X, LINE 2:

“The credit union is exempt from most federal, state and local income taxes under the provisions of the internal revenue code (irc) and state tax laws. However, irc section 511 imposes a tax on the unrelated business income derived by state-chartered credit unions. Generally, these taxes are insignificant to the credit union.”

PART XI, LINE 4B - OTHER ADJUSTMENTS:

“Loss on sale of investments classified as expense for financial reporting purposes within the audited financial statements but reported as a reductio of revenue within the form 990 statement of revenue.”

PART XII, LINE 2D - OTHER ADJUSTMENTS:

“Loss on sale of investments classified as expense for financial reporting purposes within the audited financial statements but reported as a reductio of revenue within the form 990 statement of revenue.”

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IRS990/Desc0PROMOTE SAVINGS AND PROVIDE FINANCIAL SERVICES TO MEMBER/OWNERS - OVERALL DEPOSIT BALANCES DECREASED IN 2023 BY $30M OR 4.88% OVER THE PREVIOUS YEAR. SOME OF THE SAVINGS CATEGORY CHANGES DURING THE YEAR WERE: SAVINGS DECREASED BY $23M (9.86%); REGULAR CERTIFICATES INCREASED BY $18M (26.19%); CHECKING DECREASED $4.9M (3.21%); IRAS (SAVINGS AND CERTIFICATES) INCREASED $395K (.87%), AND MONEY MARKET DECREASED $21M (16.49%). IN TOTAL, THIS REPRESENTS 68,998 ACCOUNTS FROM A MEMBERSHIP TOTAL OF 43,452 WITH AN AVERAGE SAVINGS OF $13,723 PER MEMBER. THE MOMENTUM CHECKING ACCOUNT CONTINUED TO BE POPULAR DURING 2023 AND GENERATED 1,492 NEW ACCOUNTS. OUR LOW-FEE COMMERCIAL CHECKING ACCOUNT CREATED 78 NEW 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.
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IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd3X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd4X
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
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IRS990/Form990PartVIISectionAGrp/PersonNm1JOEL DOLLAR
IRS990/Form990PartVIISectionAGrp/PersonNm2PENNY CHEFFEY
IRS990/Form990PartVIISectionAGrp/PersonNm3ANDY MURPHREE
IRS990/Form990PartVIISectionAGrp/PersonNm4ANNE DORMAN
IRS990/Form990PartVIISectionAGrp/PersonNm5SUSAN PHELPS
IRS990/Form990PartVIISectionAGrp/PersonNm6JOHN KUSHNERICK
IRS990/Form990PartVIISectionAGrp/PersonNm7EUGENIA WILSON
IRS990/Form990PartVIISectionAGrp/PersonNm8WILLIAM JOLIN
IRS990/Form990PartVIISectionAGrp/PersonNm9SHELLI SCHROEDER
IRS990/Form990PartVIISectionAGrp/PersonNm10KATRINA MORTON
IRS990/Form990PartVIISectionAGrp/PersonNm11JOYCE WHITE
IRS990/Form990PartVIISectionAGrp/PersonNm12JEREMY LIPPIATT
IRS990/Form990PartVIISectionAGrp/PersonNm13ALLEN COFFER
IRS990/Form990PartVIISectionAGrp/PersonNm14MARGUERITE VAVRICK
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt8177765
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt12136491
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt13120653
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt130
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt140
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IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE CHAIRPERSON
IRS990/Form990PartVIISectionAGrp/TitleTxt2SECRETARY/TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt3DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7PRESIDENT/CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt8CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt9EVP COO
IRS990/Form990PartVIISectionAGrp/TitleTxt10VP OF LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt11VP OF ACCOUNTING
IRS990/Form990PartVIISectionAGrp/TitleTxt12VP OF INTEGRATED TECHNOLOGY
IRS990/Form990PartVIISectionAGrp/TitleTxt13VP OF STRATEGIC & INNOVATION
IRS990/Form990PartVIISectionAGrp/TitleTxt14DIRECTOR OF HUMAN SERVICES
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IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt07577968
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IRS990/IndoorTanningServicesInd00
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IRS990/InfoInScheduleOPartXIInd0X
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IRS990/InsuranceGrp/TotalAmt0219599
IRS990/InterestGrp/TotalAmt05719042
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IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt010285159
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IRS990/IRPDocumentW2GCnt00
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IRS990/LandBldgEquipCostOrOtherBssAmt041297579
IRS990/LegalDomicileStateCd0OK
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt098656
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt07984122
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd00
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0OKLAHOMA CENTRAL CREDIT UNION (THE CREDIT UNION) IS A 501(C)(14), STATE-CHARTERED CREDIT UNION. THE 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
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IRS990/NetUnrlzdGainsLossesInvstAmt04463269
IRS990/NondeductibleContributionsInd00
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IRS990/OfficeExpensesGrp/TotalAmt02668171
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt019413036
IRS990/OtherAssetsTotalGrp/EOYAmt09449473
IRS990/OtherChangesInNetAssetsAmt0280501
IRS990/OtherEmployeeBenefitsGrp/TotalAmt01117209
IRS990/OtherExpensesGrp/Desc0LOAN SERVICING COSTS
IRS990/OtherExpensesGrp/Desc1OTHER OPERATING
IRS990/OtherExpensesGrp/Desc2STATE INCOME TAX
IRS990/OtherExpensesGrp/Desc3PLL
IRS990/OtherExpensesGrp/TotalAmt0673458
IRS990/OtherExpensesGrp/TotalAmt1556196
IRS990/OtherExpensesGrp/TotalAmt2302669
IRS990/OtherExpensesGrp/TotalAmt3-152216
IRS990/OtherLiabilitiesGrp/BOYAmt0626526227
IRS990/OtherLiabilitiesGrp/EOYAmt0595935225
IRS990/OtherRevenueMiscGrp/BusinessCd0522100
IRS990/OtherRevenueMiscGrp/Desc0GAIN ON EQUITY SECURITIES
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IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt0772633
IRS990/OtherRevenueTotalAmt0772633
IRS990/OtherSalariesAndWagesGrp/TotalAmt07230152
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0368701081
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0338626586
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0620123
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0408463
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0916091
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0838638
IRS990/PrincipalOfficerNm0EUGENIA WILSON
IRS990/ProfessionalFundraisingInd00
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IRS990/ProgramServiceRevenueGrp/BusinessCd3522100
IRS990/ProgramServiceRevenueGrp/BusinessCd4520000
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST INCOME ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1INTERCHANGE INCOME
IRS990/ProgramServiceRevenueGrp/Desc2SERVICE CHARGES AND OTHER FEES
IRS990/ProgramServiceRevenueGrp/Desc3OTHER INCOME
IRS990/ProgramServiceRevenueGrp/Desc4FINANCE AND INSURANCE
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt018470771
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt12730788
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt21561505
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt31314292
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IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt12730788
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt21561505
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt31314292
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt4141902
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt0141902
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 2023, THE CREDIT UNION APPROVED 3,585 LOAN REQUESTS FOR OVER $87M. A TOTAL OF 316 REAL ESTATE LOANS WERE APPROVED WITH A DOLLAR AMOUNT OF $26M. THE CREDIT UNION IS IN ITS SIXTEENTH YEAR OF COMMERCIAL LENDING AS A DIRECT RESPONSE TO OUR SMALL BUSINESS OWNERS' REQUESTS FOR FINANCIAL SERVICES. PRODUCT OFFERINGS ALSO INCLUDE SHORT TERM (7-YEAR) MORTGAGE LOANS. THE CREDIT UNION CONTINUES OFFERING HOME PROTECTION LOANS (STORM SHELTERS, GENERATORS, ETC.) AT A LOW INTEREST RATE TO HELP MEMBERS AFFORD THE COSTLY EXPENSE OF ADDING THESE ITEMS.
IRS990/ProgSrvcAccomActy3Grp/Desc0COMMUNITY INVOLVEMENT: OKLAHOMA CENTRAL CREDIT UNION CONTINUES TO SUPPORT AND BE ACTIVE IN THE COMMUNITIES WE SERVE. IN 2023, OKLAHOMA CENTRAL SPONSORED OR WAS INVOLVED IN THE FOLLOWING: 1) CREDIT UNION YOUTH MONTH ENCOURAGING YOUTH TO SET GOALS AND PLAN FOR THEIR FINANCIAL FUTURES THROUGH YOUTH SAVINGS ACCOUNTS. 2) CONTRIBUTED OVER $40K TO THE OKLAHOMA CENTRAL FOUNDATION. THIS MONEY WAS USED TO FUND FINANCIAL LITERACY, SCHOLARSHIPS, LOCAL TEACHER SUPPORT AND SCHOOL TECHNOLOGY. 3) THE CREDIT UNION ONCE AGAIN ALLOWED 40 PAID HOURS OF COMMUNITY SERVICE TO GIVE BACK TO THE COMMUNITY. BY YEAR END 2023, EMPLOYEES CONTRIBUTED 2152 HOURS TO VARIOUS ORGANIZATIONS. 4) OKLAHOMA CENTRAL MADE FINANCIAL DONATIONS THROUGH A REFER-A-FRIEND PROGRAM TO ORGANIZATIONS SUCH AS DVIS, FAMILY & CHILDREN'S SERVICES, ST. FRANCIS CHILDREN'S HOSPITAL AND JOHN 3:16 MISSION.
IRS990/ProhibitedTaxShelterTransInd00
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IRS990ScheduleD/FootnoteTextInd0X
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IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt1148127245
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt2107802474
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt324137283
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt4108318813
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0SHARES ACCOUNTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1SHARE DRAFT ACCOUNTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2MONEY MARKET ACCOUNTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3INDIVIDUAL RETIREMENT ACCOUNTS (IRA)
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc4SHARE AND IRA CERTIFICATES
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IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt087135284
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt1105279666
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt29855586
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt353114178
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt49453484
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt5577400
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt6750000
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt7208790
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt82057
IRS990ScheduleD/OtherSecuritiesGrp/Desc0MORTGAGE-BACKED SECURITIES
IRS990ScheduleD/OtherSecuritiesGrp/Desc1COLLATERALIZED MORTGAGE OBLIGATIONS

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Filings

Displayed year

2023 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$672,849,029
Liabilities
$598,404,663
Net assets
$74,444,366
Revenue
$34,863,456
Expenses
$28,010,061
Net income
$6,853,395
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
2023Detailed filing. Detailed filing data is available for this year.$673$598$74.4$34.9$28.0$6.85
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
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$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