Communication Federal Credit Union
Oklahoma City, OK·Charter 3454·cu:3454·Credit union RBC / net worth
- #3 of 52Total assets in Oklahoma
- Top 5%Total assets in the U.S.
- 134.6Kmembers
- Top 1%Efficiency vs. peers
- Top 7%Share growth in the U.S.
- Top 10%Return on assets vs. peers
Performance over time
7 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
Credit union · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at Communication Federal Credit Union
1 of 25 FORFI signals stand out against 309 similar credit unions, based on NCUA data for the quarter.
Share and deposit costs among the highest of similar credit unionsWorth a look: Funding 2nd quarter2.70%peers 1.66%+104 bps
Communication Federal Credit Union's cost of all shares and deposits was 2.70%, compared with a median of 1.66% among 309 similar credit unions: higher than 97% of them.
| This institution | Peer median | Difference |
|---|---|---|
| Cost of all shares and deposits | ||
| 2.70% | 1.66% | +104 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 309 credit unions with $1 billion to $3 billion in assets that filed NCUA data for the same quarter. Communication Federal Credit Union itself is left out of every peer median and percentile. How signals work
Where Communication Federal Credit Union differs most from peers
Efficiency ratio among the lowest of similar credit unionsContext: Efficiency50.0%peers 72.3%-22.3 pp
Communication Federal Credit Union's efficiency ratio was 50.0%, compared with a median of 72.3% among 309 similar credit unions: lower than 99% of them.
| This institution | Peer median | Difference |
|---|---|---|
| Efficiency ratio | ||
| 50.0% | 72.3% | -22.3 pp |
Not a flagged change: this is where the institution sits furthest from similar institutions this quarter. Peers: 309 credit unions with $1 billion to $3 billion in assets that filed NCUA data for the same quarter. Communication Federal Credit Union itself is left out of every peer median and percentile. How signals work
Return on assets among the highest of similar credit unionsContext: Earnings1.62%peers 0.84%+77 bps
Communication Federal Credit Union's annualized return on assets was 1.62%, compared with a median of 0.84% among 309 similar credit unions: higher than 90% of them.
| This institution | Peer median | Difference |
|---|---|---|
| Annualized return on assets | ||
| 1.62% | 0.84% | +77 bps |
Not a flagged change: this is where the institution sits furthest from similar institutions this quarter. Peers: 309 credit unions with $1 billion to $3 billion in assets that filed NCUA data for the same quarter. Communication Federal Credit Union itself is left out of every peer median and percentile. How signals work
Key facts
- Communication Federal Credit Union is a federally chartered credit union headquartered in Oklahoma City, Oklahoma. It reported $2.4 billion in total assets for the quarter ended June 30, 2026.
- Shares and deposits totaled $2.1 billion, up 11.4% from a year earlier, and loans totaled $1.6 billion, down 1.9%.
- Its net interest margin on average assets was 3.82% and its annualized return on assets was 1.62% for the quarter.
- Its cost of all shares and deposits was 2.70%, compared with a median of 1.66% among 309 similar credit unions with $1 billion to $3 billion in assets.
- It served 134,555 members, up 2.7% from a year earlier.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With Communication Federal Credit Union's own data, FORFI would look at: Which depositors and relationships drive the change in funding, and what to offer them next.
Analysis workspaces
Sources and identifiers
- Institution
- Communication Federal Credit Union · Credit union
- NCUA charter
- 3454
- Reporting period
- Peer group
- 309 credit unions with $1 billion to $3 billion in assets that filed NCUA data for the same quarter. Communication Federal Credit Union itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
NCUA · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation |
|---|---|
| $9.53M | |
| $36.49M | |
| $14.01M | |
| $22.48M | |
| $6.03M | |
| $14.26M | |
| $4.71M | |
| $4.71M | |
| 1.62% | |
| 3.82% | |
| 50.04% |
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-16T13:43:41.229347+00:00. Separate reference provenance is included in the export.