Federal credit union · OKLAHOMA CITY, Oklahoma · NCUA charter #3454
Communication
Health score 87/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $2.29B
- Total assets
- 131,033
- Members
- 11.7%
- Net-worth ratio
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.
Communication - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)70
- Earnings (ROA)85
- Member growth81
- Liquidity (loan-to-share)100
Weighted composite: 87/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
11.73% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 11.73% | 30% |
| Delinquency Rate | 1.34% | 25% |
| Return on Assets | 0.35% | 15% |
| Member Growth | 2.58% | 15% |
| Loan-to-Share Ratio | 81.37% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Communication
Headquartered in OKLAHOMA CITY, Oklahoma, Communication is a federal credit union with 131,033 members, $2.29B in total assets, and $1.60B in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 87/100 (Excellent), driven in part by a net worth ratio of 11.73% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #3454 and reports within peer group Over $500M, a cohort of 749 similarly-sized institutions.
Deposits deployed into lending sit at a 81.37% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Loan quality, meanwhile, shows 1.34% of the book 60+ days past due - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running looser than peers. Return on assets stands at 0.35% on net income of $8.1M 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 2.58%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Community) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
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 Communication financially healthy?
A 11.73% 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. 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 11.73% 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.
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.