Federal credit union · OKLAHOMA CITY, Oklahoma · NCUA charter #3454

COMMUNICATION

Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.

87
Health / 100
$2.29B
Total assets
131,033
Members
11.7%
Net-worth ratio
A Letter grade on the five-factor composite

COMMUNICATION scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $2.29B; members 131,033; net-worth ratio 11.66%; health rank #1,661 of 4,374; healthier than 60th of scored peers.

NCUA Call Report stamp band

NCUA 5300 Call Report Masthead

#1,661 of 4,374 health · 2025Q4

COMMUNICATION · health 87/100 · $2.29B · 2025Q4

  • CAMELS 87/100
  • HEALTH 11.7%
  • NW 1.34%
  • DELQ 0.35%
  • ROA $2.29B
  • ASSETS 131,033
  • MEM #1,661/4,374
  • RANK Coast Central
  • PHOTO 3454

Call Report peers

COMMUNICATION in the assets neighbourhood

Dort Financial$2.31BAssociated Credit Union$2.30BFORUM$2.30BCoast Central$2.29BCOMMUNICATION (this)$2.29BEMPEOPLE$2.28B
Nearest other-state credit unions by total assets (NCUA 5300)

COMMUNICATION's $2.29B assets sit next to Coast Central ($2.29B) 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.

COMMUNICATION 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

87 Top 40% higher than 60% 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

COMMUNICATION - Share Insurance Coverage

Charter #3454's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.

NCUSIF coverage gauge for COMMUNICATION Share insurance under NCUSIF covers up to $250,000 per share owner. COMMUNICATION holds approximately $2.0B in member shares. Composite CAMELS rating bracket 1 (Strong). Risk-based capital ratio 11.7 percent. Share Insurance Coverage Federal NCUSIF - $250K per share owner 1 2 3 4 5 CAMELS 1 · Strong RBC ratio 11.7% · $2.0B member shares Insured · backed by full faith and credit of the United States
Source: NCUA 5300 Call Report 2025Q4 - share insurance under Title II of the Federal Credit Union Act

Peer-gap read for COMMUNICATION

  • Net Worth Ratio leads the peer set - 11.66% here, 11.18% peer average (+0.48 pp).
  • Largest lag: Loan-to-Share Ratio at 81.37% vs peer 83.90% (-2.53 pp).

Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.

Oklahoma standing for COMMUNICATION

  • Oklahoma health ordinal: #19 of 53.
  • Oklahoma assets place: #3 of 53.
  • Membership ranks #3 of 53 among Oklahoma CUs with a reported count (131,033 members).

In-state ordinals use the live credit_unions table for OK only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.

COMMUNICATION: 2025Q4 → 2026Q1

COMMUNICATION: total assets by quarter

4 Call Report filings on this page's own vintage chain

2,000,000,0002,100,000,0002,200,000,0002,300,000,0002,400,000,000 2023Q42024Q42025Q42026Q1 2,059,830,900 2,338,290,776 ▲ +13.5%
  • Assets moved +2.2% from $2.29B (2025Q4) to $2.34B (2026Q1).
  • Net-worth ratio shifted -0.07 pp (11.73% → 11.66%).

Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.

Net worth ratio vs. NCUA well-capitalized threshold 77.7%

11.66% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).

How the 87/100 score is built

Each segment is a pillar's weighted contribution to the composite; widths sum to 87.

  • Net Worth Ratio 30.0 pts
  • Delinquency Rate 17.4 pts
  • Return on Assets 12.8 pts
  • Member Growth 12.1 pts
  • Loan-to-Share Ratio 14.7 pts

Call Report ratios for COMMUNICATION

Metric Value vs peer
Net Worth Ratio 11.66% +0.48 pp
Delinquency Rate 1.34% +0.47 pp
Return on Assets 0.35% -0.15 pp
Member Growth 2.58% -
Loan-to-Share Ratio 81.37% -2.53 pp

Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).

Call Report history - COMMUNICATION

Quarter Assets Members
2026Q1 $2.34B -
2025Q4 $2.29B 131,033
2024Q4 $2.20B 127,740
2023Q4 $2.06B 121,762

Credit Union Details

Charter Number
3454
Type
Federal
Field of Membership
Community
Peer Group
Over $500M
State
Oklahoma
City
OKLAHOMA CITY
Data Quarter
2025Q4

Branch Locations (25)

Per its most recent NCUA branch filing, COMMUNICATION runs 25 offices in 15 different cities across 2 states.

Office City
NW (Main Office) Oklahoma City, OK
Ada-Mississippi Ave Ada, OK
Ardmore Ardmore, OK
Bixby Bixby, OK
Broken Arrow Broken Arrow, OK
Edmond South Edmond, OK
Edmond Noth - I-35 Edmond, OK
Deer Creek Edmond, OK
Enid Enid, OK
Goodyear Lawton, OK
Lawton - Branch Lawton, OK
Muskogee Muskogee, OK
Norman Norman, OK
Downtown Oklahoma City, OK
South Oklahoma City, OK
OG&E OKC Oklahoma City, OK
South OKC/Moore Oklahoma City, OK
4901 NW Expressway Oklahoma City, OK
Owasso Branch Owasso, OK
Shawnee Shawnee, OK
Wanamaker Branch Topeka, KS
Boston Tulsa, OK
Sheridan - Mall 31 Tulsa, OK
Mustang Road Branch Yukon, OK
Piedmont Yukon, 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.

Compare COMMUNICATION vs TTCU

Cross-state Call Report peers for COMMUNICATION

COMMUNICATION's nationwide photo peers by assets and by health score, excluding Oklahoma charters.

Similar health score

Nearest other-state credit unions by five-factor health composite (87/100 here).

Bay Atlantic 87 · NJ Niagara Regional 87 · NY A & S 87 · PA Cambridge Municipal Employees 87 · MA

Using this data

  • COMMUNICATION ranks #1,661 of 4,374 nationally on financial health and #19 of 53 in OK -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
  • TTCU is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with TTCU
  • 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 COMMUNICATION financially healthy?

A 11.66% net worth ratio and a 1.34% delinquency rate feed into COMMUNICATION's financial health score of 87/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,661 of 4,374; by total assets it ranks #233 of 4,374 nationally (same basis as /rankings/largest); and #3 of 53 within Oklahoma. The scale: above 80 excellent, below 50 warrants closer monitoring.

How does COMMUNICATION compare to other credit unions?

Five weighted metrics from NCUA filings produce COMMUNICATION's 87/100 score on PlainCU's health composite, compared to a peer group average for Over $500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 COMMUNICATION?

COMMUNICATION operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact COMMUNICATION directly for the exact boundaries and application steps.

Is my money safe at COMMUNICATION?

Federal credit unions like COMMUNICATION 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. COMMUNICATION's net worth ratio of 11.66% exceeds the 7% threshold NCUA considers "well capitalized."

What rates does COMMUNICATION offer compared to banks?

Credit unions like COMMUNICATION 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 COMMUNICATION directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.

Data sources

Related

How health scores work →

Data sourced from the NCUA 5300 Call Report (2025Q4) for COMMUNICATION. Retrieved and formatted by PlainCU. See our methodology for details.

Disclaimer: Not affiliated with NCUA. For informational purposes only.

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.