State credit union · Ponca City, Oklahoma · NCUA charter #64281
Cherokee Strip
Health score 74/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 74
- Health / 100
- $98.2M
- Total assets
- 8,786
- Members
- 10.3%
- Net-worth ratio
Cherokee Strip scores 74/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $98.2M; members 8,786; net-worth ratio 10.28%; health rank #3,352 of 4,374; healthier than 23rd of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#3,352 of 4,374 health · 2025Q4Cherokee Strip · health 74/100 · $98.2M · 2025Q4
- HEALTH 74/100
- NW 10.3%
- DELQ 0.21%
- ROA -0.59%
- ASSETS $98.2M
- MEM 8,786
- RANK #3,352/4,374
- PHOTO Tampa Postal
- BOOK 64281
Call Report peers
Cherokee Strip in the assets neighbourhood
Cherokee Strip's $98.2M assets sit next to Tampa Postal ($98.4M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Cherokee Strip vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
74 23rd percentile higher than 23% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Cherokee Strip - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #64281 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Cherokee Strip: Call Report deltas vs peers
- Largest favorable gap: Loan-to-Share Ratio at 87.58% vs peer 62.60% (+24.98 pp).
- Widest shortfall vs peers is Net Worth Ratio: -3.34 pp (10.28% vs 13.62%).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Cherokee Strip: in-state Call Report ranks
- Health composite ranks #40 of 53 among scored Oklahoma credit unions.
- Oklahoma assets place: #27 of 53.
- Member book place in Oklahoma: #26 of 53.
In-state ordinals use the live credit_unions table for OK only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Cherokee Strip's 5300 filing moved
Cherokee Strip: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.0% from $98.2M (2025Q4) to $101.2M (2026Q1).
- Net-worth ratio shifted -0.44 pp (10.72% → 10.28%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 10.28%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 74/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 74.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 0.0 pts
- Member Growth 4.3 pts
- Loan-to-Share Ratio 14.7 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.28% | -3.34 pp |
| Delinquency Rate | 0.21% | -0.75 pp |
| Return on Assets | -0.59% | -1.25 pp |
| Member Growth | -2.62% | - |
| Loan-to-Share Ratio | 87.58% | +24.98 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Cherokee Strip filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $101.2M | - |
| 2025Q4 | $98.2M | 8,786 |
| 2024Q4 | $101.8M | 9,022 |
| 2023Q4 | $99.8M | 8,903 |
Credit Union Details
- Charter Number
- 64281
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Oklahoma
- City
- Ponca City
- Data Quarter
- 2025Q4
Branch Locations (3)
Per its most recent NCUA branch filing, Cherokee Strip runs 3 offices in 2 different cities.
| Office | City |
|---|---|
| EAST - Prospect Branch (Main Office) | Ponca City, OK |
| Newkirk Branch | Newkirk, OK |
| WEST - Waverly Branch | Ponca City, OK |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Oklahoma
A look at other Oklahoma credit unions, ranked by how closely their peer group and asset size match this one.
Cross-state Call Report peers for Cherokee Strip
Cherokee Strip's nationwide photo peers by assets and by health score, excluding Oklahoma charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($98.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (74/100 here).
Using this data
- Cherokee Strip ranks #3,352 of 4,374 nationally on financial health and #40 of 53 in OK -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- OU is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with OU
- Rates and health both vary by institution, not just by state -- see how Oklahoma credit unions compare overall before assuming this one is typical. Oklahoma state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Cherokee Strip financially healthy?
A 10.28% net worth ratio and a 0.21% delinquency rate feed into Cherokee Strip's financial health score of 74/100 (Very Good), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,352 of 4,374; by total assets it ranks #1,836 of 4,374 nationally (same basis as /rankings/largest); and #27 of 53 within Oklahoma. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Cherokee Strip compare to other credit unions?
PlainCU's health composite puts Cherokee Strip at 74/100, compared to a peer group average for $50M–$100M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Cherokee Strip?
Membership eligibility for Cherokee Strip depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Cherokee Strip directly for current membership requirements and application steps.
Is my money safe at Cherokee Strip?
Federal credit unions like Cherokee Strip are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Cherokee Strip's net worth ratio of 10.28% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Cherokee Strip offer compared to banks?
Credit unions like Cherokee Strip are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Cherokee Strip directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.