Federal credit union · Goldsby, Oklahoma · NCUA charter #24919
Growing Oaks
Health score 96/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 96
- Health / 100
- $3.8M
- Total assets
- 478
- Members
- 8.4%
- Net-worth ratio
Growing Oaks scores 96/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $3.8M; members 478; net-worth ratio 8.39%; health rank #299 of 4,374; healthier than 93rd of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#299 of 4,374 health · 2025Q4Growing Oaks · health 96/100 · $3.8M · 2025Q4
Call Report peers
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Growing Oaks vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Growing Oaks sits in 95-99 with 391 others.
96 Top 7% higher than 93% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for Growing Oaks
- Largest favorable gap: Loan-to-Share Ratio at 84.35% vs peer 63.60% (+20.75 pp).
- Net Worth Ratio trails the peer set - 8.39% here, 19.06% peer average (-10.67 pp).
Where Growing Oaks sits in Oklahoma
- Oklahoma health ordinal: #2 of 53.
- Oklahoma assets place: #50 of 53.
- Member book place in Oklahoma: #52 of 53.
- One place up in Oklahoma, OKLAHOMA'S (#1) scores 100/100, 4 points higher; one place down, WEOKIE (#3) scores 95/100, 1 point lower.
Growing Oaks Call Report trajectory
Growing Oaks: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.0% from $3.8M (2025Q4) to $3.9M (2026Q1).
- Net-worth ratio shifted -1.81 pp (10.20% → 8.39%).
8.39% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 96/100 score is built
Growing Oaks gives up 4 points in total. Net Worth Ratio costs the most, 4 of its 30; Delinquency Rate and Return on Assets and Member Growth and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 26.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 15.0 pts
Growing Oaks health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.39% | -10.67 pp |
| Delinquency Rate | 0.09% | -1.72 pp |
| Return on Assets | 2.84% | +2.39 pp |
| Member Growth | 15.18% | - |
| Loan-to-Share Ratio | 84.35% | +20.75 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $3.9M | - |
| 2025Q4 | $3.8M | 478 |
| 2024Q4 | $3.4M | 415 |
| 2023Q4 | $3.1M | 354 |
Credit Union Details
- Charter Number
- 24919
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- Oklahoma
- City
- Goldsby
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for Growing Oaks, spread across 2 cities.
| Office | City |
|---|---|
| Main Office (Main Office) | Goldsby, OK |
| Disaster Recovery & Vital Records | Norman, 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.
Growing Oaks nationwide neighbourhoods
Similar health score
Using this data
- Growing Oaks ranks #299 of 4,374 nationally on financial health and #2 of 53 in OK -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- OTOE-MISSOURIA is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with OTOE-MISSOURIA
Frequently Asked Questions
Is Growing Oaks financially healthy?
Growing Oaks has a financial health score of 96/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #299 of 4,374 nationally on health and #2 of 53 in Oklahoma. Its net worth ratio is 8.39% and its delinquency rate 0.09%.
How does Growing Oaks compare to other credit unions?
Growing Oaks scores 96/100, higher than 93% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is loan-to-share ratio (84.35% vs 63.60%). Its widest shortfall is net worth ratio (8.39% vs 19.06%).
How can I join Growing Oaks?
Growing Oaks 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 Growing Oaks directly for the exact boundaries and application steps.
Is my money safe at Growing Oaks?
Growing Oaks 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. Growing Oaks's net worth ratio of 8.39% 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.