Federal credit union · OKLAHOMA CITY, Oklahoma · NCUA charter #8890
Department of Public Safety
Health score 85/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 85
- Health / 100
- $27.4M
- Total assets
- 2,383
- Members
- 12.9%
- Net-worth ratio
Department of Public Safety - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #8890, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Department of Public Safety - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)83
- Member growth36
- Liquidity (loan-to-share)80
Weighted composite: 85/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 12.94% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 12.94% | 30% |
| Delinquency Rate | 0.29% | 25% |
| Return on Assets | 0.33% | 15% |
| Member Growth | -2.01% | 15% |
| Loan-to-Share Ratio | 56.57% | 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 | $27.4M | 2,383 |
| 2024Q4 | $27.3M | 2,432 |
| 2023Q4 | $28.0M | 2,454 |
Credit Union Details
- Charter Number
- 8890
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $10M–$50M
- State
- Oklahoma
- City
- OKLAHOMA CITY
- Data Quarter
- 2025Q4
What This Data Says About Department of Public Safety
Headquartered in OKLAHOMA CITY, Oklahoma, Department of Public Safety is a federal credit union with 2,383 members, $27.4M in total assets, and $13.0M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 85/100 (Excellent), driven in part by a net worth ratio of 12.94% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #8890 and reports within peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
Two more numbers round out the picture: a 0.29% delinquency rate (loans 60+ days past due against the total book) - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers - and a 56.57% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.33% on net income of $91K 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 -2.01%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Multiple Common Bond) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in Oklahoma
Other federally-insured credit unions in Oklahoma, closest first by peer group and asset size.
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 Department of Public Safety financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Department of Public Safety carries a financial health score of 85/100 (Excellent). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 12.94% net worth ratio and a 0.29% delinquency rate.
How does Department of Public Safety compare to other credit unions?
On PlainCU's health composite, Department of Public Safety lands at 85/100, compared to a peer group average for $10M–$50M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), 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 Department of Public Safety?
Department of Public Safety serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact Department of Public Safety directly for the current list of qualifying groups.
Is my money safe at Department of Public Safety?
Federal credit unions like Department of Public Safety 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. Department of Public Safety's net worth ratio of 12.94% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Department of Public Safety offer compared to banks?
Credit unions like Department of Public Safety 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 Department of Public Safety 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.