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
Call Report peers
Cherokee Strip in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Cherokee Strip sits in 70-74 with 317 others.
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: 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%).
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.
- One place up in Oklahoma, Red Crown (#39) ties at 74/100; one place down, OTOE-MISSOURIA (#41) scores 73/100, 1 point lower.
How Cherokee Strip's 5300 filing moved
Cherokee Strip: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.0% from $98.2M (2025Q4) to $101.2M (2026Q1).
- Net-worth ratio shifted -0.44 pp (10.72% → 10.28%).
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
Cherokee Strip gives up 26 points in total. Return on Assets costs the most, 15 of its 15; Net Worth Ratio and Delinquency Rate and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Cherokee Strip financially healthy?
On its 2025Q4 NCUA 5300 filing, Cherokee Strip scores 74/100 (Very Good), with a 10.28% net worth ratio and 0.21% of loans delinquent. It ranks #3,352 of 4,374 nationally on health and #40 of 53 in Oklahoma.
How does Cherokee Strip compare to other credit unions?
Cherokee Strip scores 74/100, higher than 23% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is loan-to-share ratio (87.58% vs 62.60%). Its widest shortfall is net worth ratio (10.28% vs 13.62%).
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?
Cherokee Strip is a state-chartered credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.