Civic Intelligence

Oklahomas Credit Union

EIN 73-6093655 • 501(c)14 • Oklahoma City, OK

View Organization Page

Profile

Providing members with competitive savings and loan products and services so that they can do more with their money.

3001 N LincolnOklahoma City, OK 73105

www.okcu.org

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

54th percentile

0.91x

Higher debt load relative to assets than 54% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2022

Liabilities / Revenue

89th percentile

20.14x

Higher debt load relative to revenue than 89% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2022

Net Margin

85th percentile

20%

Higher net margin than 85% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2022

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

86th percentile

8.2%

Faster asset growth than 86% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2021 to 2022

Revenue Growth

25th percentile

8.9%

Faster revenue growth than 25% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2021 to 2022

Balance Sheet
Liabilities / Assets54th percentile

Assets

Up

$795,856,556

Up $15,370,363 (+2.0%) from 2022

Liabilities

Up

$710,965,116

Up $4,325,265 (+0.6%) from 2022

Net Assets

Up

$84,891,440

Up $11,045,098 (+15%) from 2022

Operations
Liabilities / Revenue89th percentileNet Margin85th percentile

Revenue

Up

$43,455,996

Up $8,366,019 (+24%) from 2022

Expenses

Up

$36,993,003

Up $8,849,299 (+31%) from 2022

Net Income

Down

$6,462,993

Down $483,280 (-7.0%) from 2022

Trend Graphs

Balance Sheet Trend

Asset Growth86th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$800M$600M$400M$200M$0Assets 2010: $337,678,600Liabilities 2010: $301,684,900Net Assets 2010: $35,993,7002010Assets 2011: $381,310,313Liabilities 2011: $339,983,264Net Assets 2011: $41,327,0492011Assets 2012: $411,593,226Liabilities 2012: $367,642,245Net Assets 2012: $43,950,9812012Assets 2013: $418,857,881Liabilities 2013: $369,319,958Net Assets 2013: $49,537,9232013Assets 2014: $468,663,846Liabilities 2014: $414,084,047Net Assets 2014: $54,579,7992014Assets 2015: $484,414,592Liabilities 2015: $427,477,859Net Assets 2015: $56,936,7332015Assets 2016: $493,289,200Liabilities 2016: $433,863,970Net Assets 2016: $59,425,2302016Assets 2017: $506,913,522Liabilities 2017: $442,637,392Net Assets 2017: $64,276,1302017Assets 2018: $514,947,178Liabilities 2018: $446,952,801Net Assets 2018: $67,994,3772018Assets 2019: $554,169,771Liabilities 2019: $478,566,099Net Assets 2019: $75,603,6722019Assets 2020: $640,525,305Liabilities 2020: $556,336,000Net Assets 2020: $84,189,3052020Assets 2021: $721,352,699Liabilities 2021: $633,268,523Net Assets 2021: $88,084,1762021Assets 2022: $780,486,193Liabilities 2022: $706,639,851Net Assets 2022: $73,846,3422022Assets 2023: $795,856,556Liabilities 2023: $710,965,116Net Assets 2023: $84,891,4402023

Highlighted filing

2023

Assets$795,856,556
Liabilities$710,965,116
Net Assets$84,891,440
Open 2023 Filing

Operations Trend

Revenue Growth25th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$60M$40M$20M$0Expenses 2010: $18,273,9212010Expenses 2011: $16,957,8312011Expenses 2012: $18,144,4292012Revenue 2013: $22,907,824Expenses 2013: $18,512,826Net Income 2013: $4,394,9982013Revenue 2014: $22,945,292Expenses 2014: $18,317,897Net Income 2014: $4,627,3952014Revenue 2015: $23,332,344Expenses 2015: $19,727,332Net Income 2015: $3,605,0122015Revenue 2016: $22,832,184Expenses 2016: $18,994,685Net Income 2016: $3,837,4992016Revenue 2017: $22,917,831Expenses 2017: $19,406,852Net Income 2017: $3,510,9792017Revenue 2018: $24,413,992Expenses 2018: $20,053,969Net Income 2018: $4,360,0232018Revenue 2019: $27,815,062Expenses 2019: $23,309,651Net Income 2019: $4,505,4112019Revenue 2020: $32,680,789Expenses 2020: $26,578,890Net Income 2020: $6,101,8992020Revenue 2021: $32,235,785Expenses 2021: $24,515,442Net Income 2021: $7,720,3432021Revenue 2022: $35,089,977Expenses 2022: $28,143,704Net Income 2022: $6,946,2732022Revenue 2023: $43,455,996Expenses 2023: $36,993,003Net Income 2023: $6,462,9932023

Highlighted filing

2023

Revenue$43,455,996
Expenses$36,993,003
Net Income$6,462,993
Open 2023 Filing

Filings

Most recent year

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

Open filing
Assets
$795,856,556
Liabilities
$710,965,116
Net assets
$84,891,440
Revenue
$43,455,996
Expenses
$36,993,003
Net income
$6,462,993
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2023Detailed filing. Detailed filing data is available for this year.$796$711$84.9$43.5$37.0$6.46
2022Detailed filing. Detailed filing data is available for this year.$780$707$73.8$35.1$28.1$6.95
2021Detailed filing. Detailed filing data is available for this year.$721$633$88.1$32.2$24.5$7.72
2020Detailed filing. Detailed filing data is available for this year.$641$556$84.2$32.7$26.6$6.10
2019Detailed filing. Detailed filing data is available for this year.$554$479$75.6$27.8$23.3$4.51
2018Detailed filing. Detailed filing data is available for this year.$515$447$68.0$24.4$20.1$4.36
2017Detailed filing. Detailed filing data is available for this year.$507$443$64.3$22.9$19.4$3.51
2016Detailed filing. Detailed filing data is available for this year.$493$434$59.4$22.8$19.0$3.84
2015Detailed filing. Detailed filing data is available for this year.$484$427$56.9$23.3$19.7$3.61
2014Detailed filing. Detailed filing data is available for this year.$469$414$54.6$22.9$18.3$4.63
2013Detailed filing. Detailed filing data is available for this year.$419$369$49.5$22.9$18.5$4.39
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$412$368$44.0$18.1
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$381$340$41.3$17.0
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$338$302$36.0$18.3
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2023 to Dec 31, 2023
Signed
May 15, 2024
Return Version
2023v5.0
Gross Receipts
$62,253,626
Mission and Program Overview

Mission

Providing members with competitive savings and loan products and services so that they can do more with their money.

Helping Oklahomans do more with their money.

Balance Sheet Detail
LineBeginningEndChange
Assets
Accounts Receivable$544,531,196$578,252,104▲ $33,720,908
Investments in Publicly Traded Securities$153,568,602$138,999,640▼ $14,568,962
Rtn Earn Endowment Incm Other Fnds$65,309,337$76,354,435▲ $11,045,098
Savings and Temporary Cash Investments$55,166,678$49,760,404▼ $5,406,274
Land, Buildings, and Equipment, Net$12,952,842$13,990,065▲ $1,037,223
Pd in Cap Srpls Land Bldg Eqp Fund$8,537,005$8,537,005→ $0
Cash and Non-Interest-Bearing Accounts$2,867,165$2,359,975▼ $507,190
Receivables From Officers Etc$1,090,577$1,068,803▼ $21,774
Prepaid Expenses and Deferred Charges$293,727$436,419▲ $142,692
Other Notes and Loans Receivable, Net$0$0→ $0
Pledges and Grants Receivable$0$0→ $0
Receivable From Disqualified Prsn$0$0→ $0
Investments Other Securities$0$0→ $0
Investments Program Related$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Intangible Assets$0$0→ $0
Inventories for Sale or Use$0$0→ $0
Total Assets$780,486,193$795,856,556▲ $15,370,363
Other Assets Total$10,015,406$10,989,146▲ $973,740
Liabilities
Accounts Payable and Accrued Expenses$635,436,445$631,607,582▼ $3,828,863
Mortgage Notes Payable Secured by Investment Property$70,500,000$78,500,000▲ $8,000,000
Other Liabilities$534,954$432,803▼ $102,151
Escrow Account Liability$168,452$424,731▲ $256,279
Total Liabilities$706,639,851$710,965,116▲ $4,325,265
Net Assets / Fund Balance
Total Net Assets Fund Balance$73,846,342$84,891,440▲ $11,045,098
Total Liabilities and Net Assets / Fund Balance$780,486,193$795,856,556▲ $15,370,363

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$11,401,425$5,713,308$17,114,733
Land$2,588,640-$2,588,640
Equipment$0$2,495,934$2,495,934
Other Land Buildings$0$0$0
Leasehold Improvements$0$0$0
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Luann SchmiedelPresident/CEOFT$430,764$206,904$637,668
Philip SherwinChief Strategy OfficerFT$299,033$128,420$427,453
Shane RichinsChief Financial OfficerFT$220,417$61,473$281,890
Ronda BaileyChief Lending OfficerFT$215,000$59,280$274,280
Jennifer LownChief Experience OfficerFT$190,917$78,793$269,710
Sherlyn SmithChief Operations OfficerFT$185,833$59,728$245,561
Tricia JonesVP of Marketing & DigialFT$130,458$59,109$189,567
Robert SuffieldVP of Commercial LendingFT$129,616$9,217$138,833

Board Members and Trustees

NameTitle
Justin JonesBoard Chairman
Gary ParsonsBoard Member
Julie BowersBoard Member
Mike PattersonBoard Member
Paul RachelBoard Member
Richard E ForemanBoard Member
Todd GriffinBoard Member
Anthony DelceBoard Memeber
Randle WhiteBoard Secretary/Treasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$38,712,689
Investment Income
$4,718,258
Other Revenue
$25,049
Change in Net Assets
$6,462,993
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$23,853,470
Salaries, Compensation, and Employee Benefits$13,139,533
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest---$12,265,325
Other Salaries and Wages---$9,608,649
Information Technology---$2,953,420
Current Officers, Directors, Trustees, and Key Employees---$1,347,010
Pension Plan Contributions---$766,158
Payroll Taxes---$720,023
Other Employee Benefits---$697,693
Advertising---$633,124
Occupancy---$619,304
Other Expenses---$504,301
Depreciation Depletion---$498,854
Office Expenses---$425,339
All Other Expenses---$267,832
Conferences and Meetings---$243,719
Insurance---$190,568
Fees for Services Accounting---$120,000
Fees for Services Other---$102,721
Fees for Services Legal---$51,797
Travel---$26,984
Fees for Services Management---$1,493
Total Functional Expenses$0$0$0$36,993,003
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
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$1,090,577$1,068,803▼ $21,774
Receivables from Disqualified Persons$0$0→ $0
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Employee Payroll Clearing$459,868
Reserve for Non-Accrual Interest$33,924
Taxes Payable$9,336
Dividends Payable$186
Suspense Accounts$-70,511
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
Yes
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
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 4

“In January of 2024 Oklahoma's Credit Union changed from a state chartered credit union to a federally chartered credit union.”

Form 990, Part VI, Section A, Line 6

“A person becomes a member of the credit union when they open a share savings account.”

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

“Election of specific officers are held annually at the credit union's annual meeting.”

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

“The completed From 990 is presented to the Board of Directors during their monthly meeting.”

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

“Policies are reviewed annually.”

Form 990, Part VI, Section B, Line 15

“Compensation is reviewed annually by the Board of Directors.”

Form 990, Part VI, Section C, Line 19

“All documents are available upon request.”

Filing and Contact Details

Filer

Filer Name
Oklahomas Credit Union
EIN
73-6093655
Phone
4056066328
Address
3001 N Lincoln, Oklahoma City, OK 73105

Signing Officer

Name
Luann Schmiedel
Title
President
Phone
4056066328
Signed
2024-05-15

Organization Details

Principal Officer
Luann Schmiedel
Formed
1954
Legal Domicile
Ok
Voting Board Members
9
Independent Board Members
9
Employees
215
Volunteers
0
Supplemental Narrative

Additional Explanations

Form 990, Part XI, Line 9

“Adjustment to fund balance after implementation of CECL.”

Financial Statement Notes

Schedule D, Part IV, Line 2B

“Funds are collected when a mortgage payment is made and are kept in an escrow account. The funds are later disbursed to pay the members insurance premiums and real estate taxes.”

Raw XML AppendixShowing 400 of 926 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/Form990PartVIISectionAGrp/TitleTxt2Chief Financial Officer
IRS990/Form990PartVIISectionAGrp/TitleTxt3Chief Lending Officer
IRS990/Form990PartVIISectionAGrp/TitleTxt4Chief Experience Officer
IRS990/Form990PartVIISectionAGrp/TitleTxt5Chief Operations Officer
IRS990/Form990PartVIISectionAGrp/TitleTxt6VP of Marketing & Digial
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