Oklahoma Educators Credit Union

Nonprofit profile at a glance

Source: IRS Form 990. Selected filing: tax year 2025. Amounts in USD.

11 people listed

Source: IRS Form 990. Selected filing: tax year 2025. Names and roles reflect this filing, not necessarily current officeholders.

Providing financial services to school employees, students, and their families.

Oklahoma educators credit union is a state chartered credit union servicing educators, students, and their families.

Revenue model: Earned-program. 82% of the money available for current operations came from fees and other program revenue.
Distribution model: Cannot be determined from the filing. The filing does not provide enough consistent spending detail to tell whether the nonprofit works directly or through others.

- The available evidence is not sufficient to produce an overall rating for this filing. This is not a warning sign.

Consistency checks: 100%; rating input score 100; 64th percentile among comparable filings
Pay-setting controls: 1 of 6 controls in place; rating input score 17
- Compensation committee: Missing
- Independent consultant: Missing
- Other Form 990s reviewed: Missing
- Written employment contract: Missing
- Compensation survey or study: Pass
- Board or committee approval: Missing
Foreign activity oversight: Limited
Grant itemization coverage: 100%; rating input score 100; 76th percentile among comparable filings
Major donor itemization: Limited
Related-party transparency: Yes; rating input score 100

Independent voting board: 100%; rating input score 100; 64th percentile among comparable filings
Governance controls: 3 of 9 controls in place; rating input score 33
- Conflict-of-interest policy: Pass
- Whistleblower policy: Fail
- Document-retention policy: Pass
- CEO compensation review process: Fail
- Other executive compensation review process: Fail
- Form 990 shared with the board: Fail
- Board meeting minutes documented: Pass
- Audit committee oversight: Missing
- Independent financial-statement audit: Fail

Operating margin: 11.3%; rating input score 61; 61st percentile among comparable filings
Total-asset coverage ratio: 19.46; rating input score 93; 93rd percentile among comparable filings
Liabilities to assets ratio: 0.9; rating input score 6; 6th percentile among comparable filings
Officer compensation ratio: 8.7%; rating input score 31; 31st percentile among comparable filings

Program expense growth: 19% per year; rating input score 100; 87th percentile among comparable filings
Revenue growth: 10.5% per year; rating input score 100; 75th percentile among comparable filings
Asset growth: 7.5% per year; rating input score 100; 54th percentile among comparable filings

Where the money goes: Financial trends and filed revenue, expense, asset, and liability detail
Governance: 7 of 7 board members independent · 3 of 9 filing controls reported
Programs: 1 filed program accomplishment · $15.6M in reported program spending
Leadership: top reported pay $568K · 11 people listed · 1 of 6 pay-setting controls reported
Highest-paid contractors: 3 contractors listed · $858K reported
Consistency: 13 of 13 current checks pass
Schedules: 6 filed schedules · includes grants, executive pay, and related organizations
Filing history: 16 filing years from 2010 to 2025
Contacts: How to reach this organization
Money network: 9 filed money-flow records
Related organizations: 3 filed related-organization links
Grant readiness: Federal tax and exclusion status, award history, and grant-maker relationships.
People: Everyone the filings name, and which of them the filings identify by more than a name.
Staff and benefit plans: Retirement and health plans the organization files with the Department of Labor, and the people in them.

Signals prioritize questions for review. They are not findings of misconduct.