Federal credit union · MCALESTER, Oklahoma · NCUA charter #5531
Mcalester Aap
Health score 76/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 76
- Health / 100
- $12.4M
- Total assets
- 1,350
- Members
- 37.8%
- Net-worth ratio
Mcalester Aap scores 76/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $12.4M; members 1,350; net-worth ratio 37.80%; health rank #3,138 of 4,374; healthier than 26th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,138 of 4,374 health · 2025Q4Mcalester Aap · health 76/100 · $12.4M · 2025Q4
Call Report peers
Mcalester Aap in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Mcalester Aap vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Mcalester Aap sits in 75-79 with 502 others.
76 26th percentile higher than 26% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Mcalester Aap vs $10M–$50M peers
- Largest favorable gap: Net Worth Ratio at 37.80% vs peer 14.86% (+22.94 pp).
- Delinquency Rate trails the peer set - 2.56% here, 1.15% peer average (+1.42 pp).
Mcalester Aap in Oklahoma
- In Oklahoma, health place is #36 of 53 on the same NCUA-ratio sort used nationally.
- Assets rank #44 of 53 inside Oklahoma ($12.4M reported).
- Oklahoma membership ordinal: #45 of 53.
- One place up in Oklahoma, Comanche County (#35) scores 78/100, 2 points higher; one place down, United Members (#37) ties at 76/100.
Mcalester Aap Call Report trajectory
Mcalester Aap: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.8% from $12.4M (2025Q4) to $12.5M (2026Q1).
- Net-worth ratio shifted +1.57 pp (36.23% → 37.80%).
At 37.80%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 76/100 score is built
Mcalester Aap gives up 24 points in total. Delinquency Rate costs the most, 16 of its 25; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 9.0 pts
- Return on Assets 15.0 pts
- Member Growth 6.8 pts
- Loan-to-Share Ratio 15.2 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 37.80% | +22.94 pp |
| Delinquency Rate | 2.56% | +1.42 pp |
| Return on Assets | 1.99% | +1.29 pp |
| Member Growth | -1.24% | - |
| Loan-to-Share Ratio | 80.49% | +20.69 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $12.5M | - |
| 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
Branch Location
Per its most recent NCUA branch filing, Mcalester Aap runs one office.
| Office | City |
|---|---|
| McAlester AAP Federal Credit Union (Main Office) | McAlester, OK |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Oklahoma
Other federally-insured credit unions in Oklahoma, closest first by peer group and asset size.
Nationwide credit unions with similar profiles
Using this data
- Mcalester Aap ranks #3,138 of 4,374 nationally on financial health and #36 of 53 in OK -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- INTEGRIS is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with INTEGRIS
Frequently Asked Questions
Is Mcalester Aap financially healthy?
Mcalester Aap has a financial health score of 76/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,138 of 4,374 nationally on health and #36 of 53 in Oklahoma. Its net worth ratio is 37.80% and its delinquency rate 2.56%.
How does Mcalester Aap compare to other credit unions?
Mcalester Aap scores 76/100, higher than 26% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is net worth ratio (37.80% vs 14.86%). Its widest shortfall is delinquency rate (2.56% vs 1.15%).
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?
Mcalester Aap 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. Mcalester Aap's net worth ratio of 37.80% 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.