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
- ASSETS 31/100
- MEM 6.1%
- RANK 7.36%
- PHOTO 0.01%
- BOOK $1.0M
- CHARTER 387
- NCUSIF #4,367/4,374
- CAMELS n/a
- HEALTH 14610
Call Report peers
Morning Star carries $1.0M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
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
Morning Star - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #14610 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Peer-gap read for Morning Star
- Widest shortfall vs peers is Net Worth Ratio: -16.80 pp (6.13% vs 22.93%).
Peer averages are NCUA 5300 means for the Under $2M cohort (243 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for OK only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Morning Star: 2025Q4 → 2026Q1
Morning Star: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +9.2% from $1.0M (2025Q4) to $1.1M (2026Q1).
- Net-worth ratio shifted -0.42 pp (6.55% → 6.13%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 31.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
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
Two NCUA Call Report peer sets for Morning Star, both outside Oklahoma so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar health score
Nearest other-state credit unions by five-factor health composite (31/100 here).
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
- 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 Morning Star financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Morning Star carries a financial health score of 31/100 (Weak). On the national health ranking (same basis as /rankings/healthiest), it sits at #4,367 of 4,374; by total assets it ranks #4,230 of 4,374 nationally (same basis as /rankings/largest); and #53 of 53 within Oklahoma. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 6.13% net worth ratio and a 7.36% delinquency rate.
How does Morning Star compare to other credit unions?
PlainCU's health composite puts Morning Star at 31/100, compared to a peer group average for Under $2M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 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?
Federal credit unions like Morning Star 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. Morning Star's net worth ratio of 6.13% is relative to the 7% threshold NCUA considers "well capitalized."
What rates does Morning Star offer compared to banks?
Credit unions like Morning Star 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 Morning Star 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.