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
- RANK 76/100
- PHOTO 37.8%
- BOOK 2.56%
- CHARTER 1.99%
- NCUSIF $12.4M
- CAMELS 1,350
- HEALTH #3,138/4,374
- NW First Unity
- DELQ 5531
Call Report peers
Mcalester Aap in the assets neighbourhood
Mcalester Aap's $12.4M assets sit next to First Unity ($12.4M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
76 26th percentile higher than 26% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
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 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).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for OK only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Mcalester Aap Call Report trajectory
Mcalester Aap: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.8% from $12.4M (2025Q4) to $12.5M (2026Q1).
- Net-worth ratio shifted +1.57 pp (36.23% → 37.80%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 76.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
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
Mcalester Aap's nationwide photo peers by assets and by health score, excluding Oklahoma charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($12.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (76/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Oklahoma credit unions compare overall before assuming this one is typical. Oklahoma state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
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. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,138 of 4,374; by total assets it ranks #3,439 of 4,374 nationally (same basis as /rankings/largest); and #44 of 53 within Oklahoma. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 37.80% 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 37.80% 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.
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.