Federal credit union · Sand Springs, Oklahoma · NCUA charter #24613
Green Country
Health score 61/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 61
- Health / 100
- $127.0M
- Total assets
- 9,411
- Members
- 8.2%
- Net-worth ratio
Green Country - Share Insurance Coverage
Charter #24613'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.
Green Country - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)85
- Asset quality (delinquency)0
- Earnings (ROA)100
- Member growth38
- Liquidity (loan-to-share)100
Weighted composite: 61/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
8.23% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 8.23% | 30% |
| Delinquency Rate | 6.56% | 25% |
| Return on Assets | 0.53% | 15% |
| Member Growth | -1.86% | 15% |
| Loan-to-Share Ratio | 71.02% | 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 | $127.0M | 9,411 |
| 2024Q4 | $137.8M | 9,589 |
| 2023Q4 | $147.7M | 9,711 |
Credit Union Details
- Charter Number
- 24613
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Oklahoma
- City
- Sand Springs
- Data Quarter
- 2025Q4
What This Data Says About Green Country
Charter #24613, peer group $100M–$500M, a cohort of 1069 similarly-sized institutions: that's Green Country, a federal credit union in Sand Springs, Oklahoma with 9,411 members, $127.0M in total assets, and $83.7M in outstanding loans as of Q4 2025. The five-factor composite scores it 61/100 (Good), helped by a net worth ratio of 8.23% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
Two more numbers round out the picture: a 6.56% delinquency rate (loans 60+ days past due against the total book) - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running looser than peers - and a 71.02% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 0.53% on net income of $668K 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 -1.86%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Community); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
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 Green Country financially healthy?
Green Country has a financial health score of 61/100 (Good) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 8.23% and delinquency rate of 6.56%.
How does Green Country compare to other credit unions?
On PlainCU's health composite, Green Country 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 Green Country?
Green Country 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 Green Country directly for the exact boundaries and application steps.
Is my money safe at Green Country?
Federal credit unions like Green Country 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. Green Country's net worth ratio of 8.23% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Green Country offer compared to banks?
Credit unions like Green Country 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 Green Country 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.