Federal credit union · Lawton, Oklahoma · NCUA charter #10832
Fort Sill
Health score 61/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 61
- Health / 100
- $386.2M
- Total assets
- 22,884
- Members
- 11.4%
- Net-worth ratio
Fort Sill - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #10832 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Fort Sill - 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)100
- Asset quality (delinquency)44
- Earnings (ROA)34
- Member growth28
- Liquidity (loan-to-share)70
Weighted composite: 61/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 11.40% 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 | 11.40% | 30% |
| Delinquency Rate | 2.26% | 25% |
| Return on Assets | 0.01% | 15% |
| Member Growth | -2.67% | 15% |
| Loan-to-Share Ratio | 49.83% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Fort Sill
Charter #10832, peer group $100M–$500M, a cohort of 1069 similarly-sized institutions: that's Fort Sill, a federal credit union in Lawton, Oklahoma with 22,884 members, $386.2M in total assets, and $172.0M in outstanding loans as of Q4 2025. The five-factor composite scores it 61/100 (Good), helped by a net worth ratio of 11.40% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
Deposits deployed into lending sit at a 49.83% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Loan quality, meanwhile, shows 2.26% of the book 60+ days past due - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running looser than peers. Return on assets stands at 0.01% on net income of $54K 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 -2.67%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Other/Community) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in Oklahoma
More federally-insured credit unions based in Oklahoma, ordered by peer group match 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 Fort Sill financially healthy?
Yes/no aside, the number is 61/100 (Good) - Fort Sill's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 11.40% net worth ratio and 2.26% delinquency rate are the key drivers.
How does Fort Sill compare to other credit unions?
On PlainCU's health composite, Fort Sill lands at 61/100, compared to a peer group average for $100M–$500M 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 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?
Federal credit unions like Fort Sill 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. Fort Sill's net worth ratio of 11.40% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Fort Sill offer compared to banks?
Credit unions like Fort Sill 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 Fort Sill 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.