Federal credit union · TULSA, Oklahoma · NCUA charter #19355
Dfcu Tulsa
Health score 59/100 (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 59
- Health / 100
- $61.9M
- Total assets
- 8,030
- Members
- 5.9%
- Net-worth ratio
Dfcu Tulsa - Share Insurance Coverage
Charter #19355'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.
Dfcu Tulsa - 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)49
- Asset quality (delinquency)47
- Earnings (ROA)82
- Member growth38
- Liquidity (loan-to-share)100
Weighted composite: 59/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 5.93%, this institution is below the 7.0% NCUA well-capitalized threshold.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 5.93% | 30% |
| Delinquency Rate | 2.14% | 25% |
| Return on Assets | 0.32% | 15% |
| Member Growth | -1.87% | 15% |
| Loan-to-Share Ratio | 83.27% | 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 | $61.9M | 8,030 |
| 2024Q4 | $59.4M | 8,183 |
| 2023Q4 | $57.4M | 8,755 |
Credit Union Details
- Charter Number
- 19355
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Oklahoma
- City
- TULSA
- Data Quarter
- 2025Q4
What This Data Says About Dfcu Tulsa
The five-factor composite scores Dfcu Tulsa at 59/100 (Fair), reflecting a net worth ratio of 5.93% - relative to the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This federal credit union, headquartered in TULSA, Oklahoma, reports 8,030 members, $61.9M in total assets, and $43.9M in outstanding loans as of Q4 2025 under charter #19355 (peer group $50M–$100M, a cohort of 584 similarly-sized institutions).
2.14% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $50M–$100M credit unions sits at 0.963%, so this institution is running looser than peers. Deposit deployment is captured by the 83.27% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.32% on net income of $199K 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 -1.87%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Community) - 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 Dfcu Tulsa financially healthy?
Dfcu Tulsa scores 59/100 (Fair) on financial health, per the NCUA 5300 Call Report for Q4 2025. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 5.93% net worth ratio and a 2.14% delinquency rate.
How does Dfcu Tulsa compare to other credit unions?
Five weighted metrics from NCUA filings produce Dfcu Tulsa's 59/100 score on PlainCU's health composite, compared to a peer group average for $50M–$100M 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 Dfcu Tulsa?
Dfcu Tulsa 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 Dfcu Tulsa directly for the exact boundaries and application steps.
Is my money safe at Dfcu Tulsa?
Federal credit unions like Dfcu Tulsa 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. Dfcu Tulsa's net worth ratio of 5.93% is relative to the 7% threshold NCUA considers "well capitalized."
What rates does Dfcu Tulsa offer compared to banks?
Credit unions like Dfcu Tulsa 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 Dfcu Tulsa 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.