Federal credit union · TULSA, Oklahoma · NCUA charter #14610
Morning Star
Health score 31/100, grade F (Weak) - from the NCUA 5300 Call Report, 2025Q4.
- 31
- Health / 100
- $1.0M
- Total assets
- 387
- Members
- 6.1%
- Net-worth ratio
Morning Star scores 31/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.0M; members 387; net-worth ratio 6.13%; health rank #4,367 of 4,374; healthier than 0th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#4,367 of 4,374 health · 2025Q4Morning Star · health 31/100 · $1.0M · 2025Q4
Call Report peers
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Morning Star vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Morning Star sits in 30-34 with 8 others.
31 0th percentile in the bottom 1% 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
Peer-gap read for Morning Star
- Widest shortfall vs peers is Net Worth Ratio: -16.80 pp (6.13% vs 22.93%).
Where Morning Star sits in Oklahoma
- Oklahoma health ordinal: #53 of 53.
- Assets rank #53 of 53 inside Oklahoma ($1.0M reported).
- Oklahoma membership ordinal: #53 of 53.
- No scored Oklahoma credit union ranks lower; the next one up, TEACHERS (#52) scores 44/100, 13 points higher.
Morning Star: 2025Q4 → 2026Q1
Morning Star: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +9.2% from $1.0M (2025Q4) to $1.1M (2026Q1).
- Net-worth ratio shifted -0.42 pp (6.55% → 6.13%).
6.13% net worth is short of the NCUA's 7.0% well-capitalized bar for this institution.
How the 31/100 score is built
Morning Star gives up 69 points in total. Delinquency Rate costs the most, 25 of its 25; Loan-to-Share Ratio loses the least, 4.9.
- Net Worth Ratio 16.0 pts
- Delinquency Rate 0.0 pts
- Return on Assets 4.9 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 10.1 pts
Morning Star vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 6.13% | -16.80 pp |
| Delinquency Rate | 7.36% | +2.88 pp |
| Return on Assets | 0.01% | -0.21 pp |
| Member Growth | -5.61% | - |
| Loan-to-Share Ratio | 46.11% | -6.59 pp |
Peer averages: Under $2M cohort, 243 credit unions, 2025Q4 filing.
Call Report history - Morning Star
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.1M | - |
| 2025Q4 | $1.0M | 387 |
| 2024Q4 | $983K | 410 |
| 2023Q4 | $874K | 413 |
Credit Union Details
- Charter Number
- 14610
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Under $2M
- State
- Oklahoma
- City
- TULSA
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, Morning Star runs 2 offices.
| Office | City |
|---|---|
| Morning Star Federal Credit Union (Main Office) | Tulsa, OK |
| Morning Star Federal Credit Union | Tulsa, 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.
Nationwide credit unions with similar profiles
Similar health score
Using this data
- Morning Star ranks #4,367 of 4,374 nationally on financial health and #53 of 53 in OK -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- VELMA is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with VELMA
Frequently Asked Questions
Is Morning Star financially healthy?
Morning Star has a financial health score of 31/100 (Weak) from its 2025Q4 NCUA 5300 Call Report. It ranks #4,367 of 4,374 nationally on health and #53 of 53 in Oklahoma. Its net worth ratio is 6.13% and its delinquency rate 7.36%.
How does Morning Star compare to other credit unions?
Morning Star scores 31/100, higher than 0% of the 4,374 scored credit unions. Its widest shortfall is net worth ratio (6.13% vs 22.93%).
How can I join Morning Star?
Morning Star 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 Morning Star directly for the exact boundaries and application steps.
Is my money safe at Morning Star?
Morning Star 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. Morning Star's net worth ratio of 6.13% is relative to 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.