2025-11-17T17:13:58-05:00 2024-12-31 731070564 BASKIN HADLEY & ASSOCIATES P C 221 N 2ND ST PONCA CITY OK 74601 990 2024-01-01 736093329 CHEROKEE STRIP CREDIT UNION CHER 5807184000 1508 E PROSPECT PONCA CITY OK 74604 SPIKE HENDERSON CEO 5807184034 2025-11-17 true true TERRI HADLEY P01207952 5807628345 2025-11-17 2024 2025-03-06 01:10:19Z SPIKE HENDERSON 1508 E PROSPECT PONCA CITY OK 74604 10419265 false X WWW.CHEROKEESTRIP.COM X 1933 OK AS A NOT FOR PROFIT COOPERATIVE, TO PROMOTE THRIFT AND MEET THE FINANCIAL NEEDS OF MEMBERS THROUGH OFFERING PROGRESSIVE FINANCIAL SERVICES WITH STABILITY AND INTEGRITY AT BETTER THAN MARKET RATES. 12 12 52 117414 11191 0 7249964 7978404 234840 284049 96941 117414 7581745 8379867 9000 11000 1188503 2001717 2145998 3075353 0 0 3009109 4729400 6352610 9817470 1229135 -1437603 101886582 103167848 89091435 91810304 12795147 11357544 AS A NOT FOR PROFIT COOPERATIVE, TO PROMOTE THRIFT AND MEET THE FINANCIAL NEEDS OF MEMBERS THROUGH OFFERING PROGRESSIVE FINANCIAL SERVICES WITH STABILITY AND INTEGRITY AT BETTER THAN MARKET RATES. false false 9595220 11000 7978404 CREDIT UNION SERVING CONOCOPHILLIPS EMPLOYEES AND OTHER SELECT EMPLOYEE GROUPS, AS WELL AS THE KAY COUNTY COMMUNITY. ORGANIZATION SERVED APPROXIMATELY 9,022 MEMBERS DURING 2024. 9595220 false false false false false false false false false true false false true true false false false false false false false false false false false false false true true false true false false false false false false false false true false false false true 4063 0 false 52 true true true false false false false false false false X 12 12 false false false false true true false true true true false false false false true true true false OK X BRITTNEY SWAIN 5807184030 1508 E PROSPECT PONCA CITY OK 74604 SPIKE HENDERSON CEO 40.00 X 181498 0 35363 ARIANA ALVEY ASSOCIATE DI 1.00 X 0 0 0 DAWN BRAKEY ASSOCIATE DI 1.00 X 0 0 0 BILL GEUBELLE BOARD VICE C 2.00 X X 0 0 0 TONI GIBSON SECRETARY 2.00 X X 0 0 0 JOHN HAPP TREASURER 2.00 X X 0 0 0 WINSTON HENRY DIRECTOR 1.00 X 0 0 0 ROBERT A HOWARD CHAIRMAN 2.00 X X 0 0 0 PHILLIP JOHNSTON DIRECTOR 1.00 X 0 0 0 BRANDON RUTZ DIRECTOR 1.00 X 0 0 0 SHERRI TAPP DIRECTOR 1.00 X 0 0 0 MIKE TREWITT DIRECTOR 1.00 X 0 0 0 181498 35363 1 false true false INTEREST INCOME 522100 6806108 6806108 OTHER RELATED INCOME 522100 1172296 1172296 7978404 283400 283400 2000000 40047 2000000 39398 649 649 649 CHEROKEE STRIP INSURANCE AGEN 522100 105223 105223 TAXABLE FOREIGN ATM FEES 522100 12191 12191 117414 8379867 7978404 117414 284049 11000 2001717 216861 2178241 507771 172480 82877 65471 172088 30545 128341 131767 433180 7604 LOAN LOSSES 2006828 COMPUTER SERVICES 323387 BANK SERVICE CHARGE 260787 PROFESSIONAL SERVICES 195027 891498 9817470 0 0 0 7147803 13045331 1504678 2328408 1807 302269 251908 78458889 72685271 33713 88430 5657055 3771425 1832833 1885630 6560009 5908260 19805 17739 6026583 6955064 101886582 103167848 527633 1283487 88563802 90526817 89091435 91810304 X 44515 45110 12750632 11312434 12795147 11357544 101886582 103167848 X -1437603 X false false false 352976 352976 3060391 1790147 1270244 2243688 1981278 262410 1885630 INVESTMENT METLIFE 1735231 COMMERCIAL CONSTRUCTION LOC 1200202 AG EQUIPMENT 898656 NCUSIF CAPITALIZATION ACCT 877530 LOAN - CASD SERP 530807 FASB-91 DEFERRED LOAN ORIGINATION CO 327424 INVESTMENT CORE CUSO 290000 COMMERCIAL EQUIPMENT LOC 249671 ACCRUED INTEREST ON USE VEHICLE 152340 EXCESS SHARE INSURANCE DEPOSIT 150000 FHLB TOPEKA STOCK 99900 ACCR INT - AG OPERATING 74606 PREPAID STATE INCOME TAXES 51532 LOANS TO MEMBERS - MOTORHOME 41720 ACCRUED INTEREST ON HOME EQUITY LOC 39097 ACCRUED INTEREST ON FIRST MORTGAGE 33953 ACCR INT - COMM 1-4 LOC NOC 24145 ACCRUED INT - AG EQUIPMENT 21957 OTHER ASSETS CU HOUSE 19068 ACCR INT - AG LIVESTOCK TERM 18272 ACCRUED INCOME INVESTMENT 18033 ACCR INT - COMM 1-4 TERM NOC 16368 ACCR INT - COMM CONSTRUCTION LOC 15982 ACCRUED INTEREST ON LOANS 15291 ACCR INT - COMM REAL ESTATE 11769 ACCR INT- COMM REAL ESTATE NOC 10052 ACCRUED INTEREST ON SIGNATURE 6588 AG UNSECURED 5107 ACCRUED INTEREST ON CAMPER & TRAVEL 4334 ACCR INT - COMMERCIAL EQUIPMENT 3407 ACCRUED INTEREST ON BOAT 2658 ACCRUED INTEREST - COMM EQ LOC 2492 ACCR INT - COMMERCIAL AUTO 2180 ACCRUED INTEREST ON NEW MOTORCYCLE 2176 PREPAID 990 T TAXES 1650 ACCR INT - COMM LOC UNSECURED 616 ACCRUED INTERET ON NEW & USED TRACTO 529 ACCR INT- CONS LIVESTOCK LOC 392 ACCRUED INTEREST ON LAWN & GARDEN 263 ACCRUED INTEREST ON SHARE SECURED 252 ACCRUED INTEREST ON ADJUSTABLE RATE 132 ACCRUED INTEREST - AG UNSECURED 97 ACCRUED INTEREST ON MOTORHOME 63 ACCR INT - PARTICIPATION LOAN -1478 6955064 MEMBER SAVINGS/DEP SHARES 35991475 MEMBER SHARE CERTIFICATE 27597457 MONEY MARKET SAVINGS 7639395 OVER 55 CLASSIC CHECKING 4479679 CLASSIC CHECKING 3367687 MEMBER SHARE DRAFT/CHKING 3160895 COMMERCIAL SAVINGS 2497611 REWARDS CASH BACK 1700009 IRA CERTIFICATES 1257014 REWARDS DIVIDEND 1159632 COMMERCIAL CHECKING 787820 SECONDARY SAVINGS 562755 DCP - PLAN PAYABLE 137331 ACRRUED OTHER COMPENSATION 60677 TRADITIONAL IRA 53452 PAYABLE TO CSCU 51623 OTHER PAYABLE 45120 REWARDS INNOVATOR 25307 SEP IRA 17201 CASD-SERP PLAN PAYABEL 4425 VISA SETTLEMENT 3193 CHRISTMAS CLUB 2746 MORTGAGE CLEARING 2400 CUEASYPAY SUSPENSE 1692 FORCE PLACED INS (VSI) CLEARING 1438 AG CHECKING 1035 CREDIT CARD PAYABLE 682 CONSUMER PASS THROUGH 174 ROTH IRA 16 CSIA ACCOUNTS RECEIVABLE -21 BACKUP WITHHOLDINGS -1575 ACCRUED REAL ESTATE TAX -1858 ACH PROCESSING EXPENSE -5765 ACCRUED AUDIT FEES -8822 EXCEPTIONS FED & DC -9258 SHARE DRAFT SUSPENSE -55825 90526817 false SCHOLARSHIPS EXPENSE 11000 X false false false SPIKE HENDERSON CEO 181498 35363 216861 STACY CALDERON HELOC X 70299 63183 false true true BILL GEUBELLE DIRECTOR MORTGAGE X 195600 56071 false true true JEFFREY MACKINNON HELOC X 43800 42811 false true true PHILLIP JOHNSTON AUTO X 48445 18516 false true true JEFFREY MACKINNON AUTO X 32797 16780 false true true JOHN HAPP DIRECTOR MORTGAGE X 64000 14399 false true true BRITTNEY SWAIN HELOC X 15000 13929 false true true CHRISTI NEILSON AUTO X 16411 10886 false false true BRITTNEY SWAIN AUTO X 27766 7658 false false true CHRISTY NEILSON PERSONAL X 5081 4354 false false true ARIANA ALVA AUTO X 11132 2190 false false true BILLE GEUBELLE DIRECTOR LINE OF CREDIT X 25000 768 false true true CHRISTI NEILSON VISA X 1500 363 false false true 251908 SCHEDULE L, PART II ARIANA ALVA FROM 11,132 2,190 AUTO ( ) IN DEFAULT ( ) APPROVED BY BOARD/COMMITTEE (X) WRITTEN AGREEMENT BILLE GEUBELLE FROM 25,000 768 LINE OF CREDIT ( ) IN DEFAULT (X) APPROVED BY BOARD/COMMITTEE (X) WRITTEN AGREEMENT CHRISTI NEILSON FROM 1,500 363 VISA ( ) IN DEFAULT ( ) APPROVED BY BOARD/COMMITTEE (X) WRITTEN AGREEMENT FORM 990, PAGE 6, PART VI, LINE 6 EACH CREDIT UNION ACCOUNT HOLDER IS CONSIDERED TO BE A MEMBER OF THE ORGANIZATION. FORM 990, PAGE 6, PART VI, LINE 7A MEMBERS OF THE ORGANIZATION MAY MAKE NOMINATIONS FROM THE FLOOR DURING THE ANNUAL MEETING WHERE BOARD MEMBERS ARE ELECTED. MEMBERS MAY NOMINATE THEMSELVES OR OTHERS. FORM 990, PAGE 6, PART VI, LINE 9 ROBERT A. HOWARD 413 W. GRAND AVE PONCA CITY, OK 74601 MIKE TREWITT 1613 MEADOWBROOK PONCA CITY, OK 74604 TONI GIBSON 63 STONERIDGE PONCA CITY, OK 74604 JOHN HAPP 2404 CHAPEL HILL RD PONCA CITY, OK 74604 PHILLIP JOHNSTON 3 HILLCREST FRIVE PONCA CITY, OK 74604 SHERRI TAPP 717 BRENTWOOD DRIVE PONCA CITY, OK 74601 BRANDON RUTZ 8555 LAKE RD PONCA CITY, OK 74604 BILL GEUBELLE 2028 LEMON TREE PONCA CITY, OK 74604 FORM 990, PAGE 6, PART VI, LINE 11B FORM 990 AND 990-T PRESENTED TO BOARD FOR APPROVAL BEFORE FILING FORM 990, PAGE 6, PART VI, LINE 15A THE ORGANIZATION USES THE SAME REVIEW & APPROVAL PROCESS FOR THE EXECUTIVE DIRECTOR AND TOP MANAGEMENT AS IT DOES FOR OFFICERS AND KEY EMPLOYEES. SEE RESPONSE TO PART VI, LINE 15B. FORM 990, PAGE 6, PART VI, LINE 15B THE ORGANIZATION ORDERS ANNUALLY AN INDEPENDENT SALARY STUDY FOR CREDIT UNIONS GIVING SALARY INFORMATION BY CREDIT UNION ASSET SIZE, NUMBER OF EMPLOYEES, AND REGION WHERE LOCATED. THIS INFORMATION IS USED TO DEVELOP ANNUAL COMPENSATION AMOUNTS. PROPOSED SALARY INFORMATION IS THEN SUBMITTED TO THE PERSONNELL COMITTEE AND THEN THE BOARD OF DIRECTORS FOR ULTIMATE APPROVAL. FORM 990, PAGE 6, PART VI, LINE 19 FINANCIAL STATEMENTS OF THE ORGANIZATION ARE POSTED ON BULLETIN BOARDS AT EACH OF THE LOCATIONS MONTHLY. FORM 990, PART XI, LINE 9 CAPITAL SHARES 0 CHANGE IN CAPITAL SHARES 0 CHEROKEE STRIP INSURANCE AGENCY 1508 E PROPSPECT PONCA CITY OK 74604 825077624 INSURANCE OK N/A