State credit union · Oklahoma City, Oklahoma · NCUA charter #64850
Credit Union One of Oklahoma
Health score 66/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 66
- Health / 100
- $40.4M
- Total assets
- 3,483
- Members
- 4.4%
- Net-worth ratio
Credit Union One of Oklahoma - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #64850: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Credit Union One of Oklahoma - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)37
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth0
- Liquidity (loan-to-share)100
Weighted composite: 66/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
4.38% net worth is short of the NCUA's 7.0% well-capitalized bar for this institution.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 4.38% | 30% |
| Delinquency Rate | 0.41% | 25% |
| Return on Assets | 0.80% | 15% |
| Member Growth | -13.74% | 15% |
| Loan-to-Share Ratio | 82.82% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $40.4M | 3,483 |
| 2024Q4 | $41.6M | 4,038 |
| 2023Q4 | $45.9M | 4,476 |
Credit Union Details
- Charter Number
- 64850
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Oklahoma
- City
- Oklahoma City
- Data Quarter
- 2025Q4
What This Data Says About Credit Union One of Oklahoma
Headquartered in Oklahoma City, Oklahoma, Credit Union One of Oklahoma is a state credit union with 3,483 members, $40.4M in total assets, and $28.4M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 66/100 (Good), driven in part by a net worth ratio of 4.38% - relative to the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #64850 and reports within peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
On loan book quality: 0.41% of loans are 60+ days past due against the total loan book - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers. Meanwhile a 82.82% loan-to-share ratio shows how aggressively member deposits get deployed into lending, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.80% on net income of $321K 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 -13.74%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Other) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
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 Credit Union One of Oklahoma financially healthy?
Yes/no aside, the number is 66/100 (Good) - Credit Union One of Oklahoma's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 4.38% net worth ratio and 0.41% delinquency rate are the key drivers.
How does Credit Union One of Oklahoma compare to other credit unions?
66/100 is Credit Union One of Oklahoma's score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 Credit Union One of Oklahoma?
Membership eligibility for Credit Union One of Oklahoma depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Credit Union One of Oklahoma directly for current membership requirements and application steps.
Is my money safe at Credit Union One of Oklahoma?
Federal credit unions like Credit Union One of Oklahoma 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. Credit Union One of Oklahoma's net worth ratio of 4.38% is relative to the 7% threshold NCUA considers "well capitalized."
What rates does Credit Union One of Oklahoma offer compared to banks?
Credit unions like Credit Union One of Oklahoma 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 Credit Union One of Oklahoma 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.