State credit union · Ponca City, Oklahoma · NCUA charter #64281
Cherokee Strip
Health score 74/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 74
- Health / 100
- $98.2M
- Total assets
- 8,786
- Members
- 10.7%
- Net-worth ratio
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 - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)0
- Member growth29
- Liquidity (loan-to-share)100
Weighted composite: 74/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 10.72%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 10.72% | 30% |
| Delinquency Rate | 0.21% | 25% |
| Return on Assets | -0.59% | 15% |
| Member Growth | -2.62% | 15% |
| Loan-to-Share Ratio | 87.58% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Cherokee Strip
8,786 members and $98.2M in total assets sit behind Cherokee Strip, a state credit union in Ponca City, Oklahoma, which posts a health score of 74/100 (Very Good) on the five-factor composite, with $75.9M in outstanding loans as of Q4 2025 and a net worth ratio of 10.72% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #64281 in peer group $50M–$100M, a cohort of 584 similarly-sized institutions.
Two more numbers round out the picture: a 0.21% delinquency rate (loans 60+ days past due against the total book) - the peer group average for $50M–$100M credit unions sits at 0.963%, so this institution is running tighter than peers - and a 87.58% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at -0.59% on net income of $-576786 for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -2.62%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Other); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
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.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Cherokee Strip financially healthy?
A 10.72% 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. 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 10.72% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.