Federal credit union · Lawton, Oklahoma · NCUA charter #10832
Fort Sill
Health score 61/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 61
- Health / 100
- $386.2M
- Total assets
- 22,884
- Members
- 11.1%
- Net-worth ratio
Fort Sill scores 61/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $386.2M; members 22,884; net-worth ratio 11.14%; health rank #4,031 of 4,374; healthier than 8th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#4,031 of 4,374 health · 2025Q4Fort Sill · health 61/100 · $386.2M · 2025Q4
Call Report peers
Fort Sill in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Fort Sill vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Fort Sill sits in 60-64 with 179 others.
61 8th percentile higher than 8% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where Fort Sill diverges from peer averages
- Largest lag: Loan-to-Share Ratio at 49.83% vs peer 72.20% (-22.37 pp).
Oklahoma standing for Fort Sill
- In Oklahoma, health place is #47 of 53 on the same NCUA-ratio sort used nationally.
- Assets rank #10 of 53 inside Oklahoma ($386.2M reported).
- Oklahoma membership ordinal: #12 of 53.
- One place up in Oklahoma, Green Country (#46) scores 63/100, 2 points higher; one place down, EMPLOYEES (#48) scores 57/100, 4 points lower.
Fort Sill: 2025Q4 → 2026Q1
Fort Sill: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.4% from $386.2M (2025Q4) to $395.3M (2026Q1).
- Net-worth ratio shifted -0.32 pp (11.46% → 11.14%).
This credit union's 11.14% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 61/100 score is built
Fort Sill gives up 39 points in total. Delinquency Rate costs the most, 14.1 of its 25; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 10.9 pts
- Return on Assets 5.1 pts
- Member Growth 4.2 pts
- Loan-to-Share Ratio 10.8 pts
Call Report ratios for Fort Sill
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.14% | -0.97 pp |
| Delinquency Rate | 2.26% | +1.36 pp |
| Return on Assets | 0.01% | -0.61 pp |
| Member Growth | -2.67% | - |
| Loan-to-Share Ratio | 49.83% | -22.37 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Fort Sill filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $395.3M | - |
| 2025Q4 | $386.2M | 22,884 |
| 2024Q4 | $371.1M | 23,512 |
| 2023Q4 | $369.9M | 23,916 |
Credit Union Details
- Charter Number
- 10832
- Type
- Federal
- Field of Membership
- Other/Community
- Peer Group
- $100M–$500M
- State
- Oklahoma
- City
- Lawton
- Data Quarter
- 2025Q4
Branch Locations (4)
Fort Sill operates 4 offices across 2 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Headquarter's Branch (Main Office) | Lawton, OK |
| Fort Sill Branch | Fort Sill, OK |
| East Branch | Lawton, OK |
| South Branch | Lawton, OK |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Oklahoma
More federally-insured credit unions based in Oklahoma, ordered by peer group match and asset size.
Cross-state Call Report peers for Fort Sill
Using this data
- Fort Sill ranks #4,031 of 4,374 nationally on financial health and #47 of 53 in OK -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- ALLEGIANCE is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with ALLEGIANCE
Frequently Asked Questions
Is Fort Sill financially healthy?
On its 2025Q4 NCUA 5300 filing, Fort Sill scores 61/100 (Good), with a 11.14% net worth ratio and 2.26% of loans delinquent. It ranks #4,031 of 4,374 nationally on health and #47 of 53 in Oklahoma.
How does Fort Sill compare to other credit unions?
Fort Sill scores 61/100, higher than 8% of the 4,374 scored credit unions. Its widest shortfall is loan-to-share ratio (49.83% vs 72.20%).
How can I join Fort Sill?
Fort Sill 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 Fort Sill directly for the exact boundaries and application steps.
Is my money safe at Fort Sill?
Fort Sill is a federal credit union; its shares are federally 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. Fort Sill's net worth ratio of 11.14% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.