Federal credit union · TULSA, Oklahoma · NCUA charter #14610
Morning Star
Health score 21/100 (Weak) - from the NCUA 5300 Call Report, 2025Q4.
- 21
- Health / 100
- $1.0M
- Total assets
- 387
- Members
- 2.2%
- Net-worth ratio
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.
Morning Star - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)18
- Asset quality (delinquency)0
- Earnings (ROA)33
- Member growth0
- Liquidity (loan-to-share)68
Weighted composite: 21/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
2.18% net worth is short of the NCUA's 7.0% well-capitalized bar for this institution.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 2.18% | 30% |
| Delinquency Rate | 7.36% | 25% |
| Return on Assets | 0.01% | 15% |
| Member Growth | -5.61% | 15% |
| Loan-to-Share Ratio | 46.11% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Morning Star
Morning Star is a federal credit union headquartered in TULSA, Oklahoma, serving 387 members with $1.0M in total assets and $442K in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 21/100 (Weak), anchored by a net worth ratio of 2.18% - relative to the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #14610 operates under peer group Under $2M, a cohort of 243 similarly-sized institutions.
7.36% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for Under $2M credit unions sits at 4.477%, so this institution is running looser than peers. Deposit deployment is captured by the 46.11% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.01% on net income of $94 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 -5.61%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Community). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
Nearby Credit Unions in Oklahoma
More federally-insured credit unions based in Oklahoma, ordered by peer group match 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 Morning Star financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Morning Star carries a financial health score of 21/100 (Weak). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 2.18% 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 21/100, 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 2.18% 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.
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.