Federal credit union · MCALESTER, Oklahoma · NCUA charter #5531
Mcalester Aap
Health score 76/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 76
- Health / 100
- $12.4M
- Total assets
- 1,350
- Members
- 32.6%
- Net-worth ratio
Mcalester Aap - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #5531 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Mcalester Aap - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)36
- Earnings (ROA)100
- Member growth45
- Liquidity (loan-to-share)100
Weighted composite: 76/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 32.60%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 32.60% | 30% |
| Delinquency Rate | 2.56% | 25% |
| Return on Assets | 1.99% | 15% |
| Member Growth | -1.24% | 15% |
| Loan-to-Share Ratio | 80.49% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $12.4M | 1,350 |
| 2024Q4 | $12.5M | 1,367 |
| 2023Q4 | $12.5M | 1,391 |
Credit Union Details
- Charter Number
- 5531
- Type
- Federal
- Field of Membership
- Low Income
- Peer Group
- $10M–$50M
- State
- Oklahoma
- City
- MCALESTER
- Data Quarter
- 2025Q4
What This Data Says About Mcalester Aap
Charter #5531, peer group $10M–$50M, a cohort of 1163 similarly-sized institutions: that's Mcalester Aap, a federal credit union in MCALESTER, Oklahoma with 1,350 members, $12.4M in total assets, and $6.2M in outstanding loans as of Q4 2025. The five-factor composite scores it 76/100 (Very Good), helped by a net worth ratio of 32.60% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
Deposits deployed into lending sit at a 80.49% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Loan quality, meanwhile, shows 2.56% of the book 60+ days past due - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running looser than peers. Return on assets stands at 1.99% on net income of $246K 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 -1.24%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Low Income); 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 Mcalester Aap financially healthy?
Mcalester Aap has a financial health score of 76/100 (Very 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 32.60% and delinquency rate of 2.56%.
How does Mcalester Aap compare to other credit unions?
Five weighted metrics from NCUA filings produce Mcalester Aap's 76/100 score on PlainCU's health composite, compared to a peer group average for $10M–$50M 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 Mcalester Aap?
Mcalester Aap carries an NCUA Low-Income Designation, which typically means anyone can join regardless of employer or location, and the credit union is eligible for supplemental capital and secondary capital rules not available to standard charters. Contact Mcalester Aap directly to confirm current membership steps.
Is my money safe at Mcalester Aap?
Federal credit unions like Mcalester Aap 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. Mcalester Aap's net worth ratio of 32.60% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Mcalester Aap offer compared to banks?
Credit unions like Mcalester Aap 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 Mcalester Aap 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.