State credit union · OKLAHOMA CITY, Oklahoma · NCUA charter #65503
Municipal Emps Cu of Oklahoma City
Health score 82/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 82
- Health / 100
- $188.8M
- Total assets
- 9,642
- Members
- 8.7%
- Net-worth ratio
Municipal Emps Cu of Oklahoma City - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #65503 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Municipal Emps Cu of Oklahoma City - 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)89
- Asset quality (delinquency)100
- Earnings (ROA)66
- Member growth34
- Liquidity (loan-to-share)100
Weighted composite: 82/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 8.72%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 8.72% | 30% |
| Delinquency Rate | 0.09% | 25% |
| Return on Assets | 0.16% | 15% |
| Member Growth | -2.15% | 15% |
| Loan-to-Share Ratio | 78.21% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $188.8M | 9,642 |
| 2024Q4 | $165.1M | 9,854 |
| 2023Q4 | $162.3M | 9,935 |
Credit Union Details
- Charter Number
- 65503
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Oklahoma
- City
- OKLAHOMA CITY
- Data Quarter
- 2025Q4
What This Data Says About Municipal Emps Cu of Oklahoma City
Charter #65503, peer group $100M–$500M, a cohort of 1069 similarly-sized institutions: that's Municipal Emps Cu of Oklahoma City, a state credit union in OKLAHOMA CITY, Oklahoma with 9,642 members, $188.8M in total assets, and $134.5M in outstanding loans as of Q4 2025. The five-factor composite scores it 82/100 (Excellent), helped by a net worth ratio of 8.72% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
Deposits deployed into lending sit at a 78.21% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Loan quality, meanwhile, shows 0.09% of the book 60+ days past due - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running tighter than peers. Return on assets stands at 0.16% on net income of $294K 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 -2.15%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Other) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
Nearby Credit Unions in Oklahoma
Other federally-insured credit unions in Oklahoma, closest first by peer group 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 Municipal Emps Cu of Oklahoma City financially healthy?
Municipal Emps Cu of Oklahoma City scores 82/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 8.72% net worth ratio and a 0.09% delinquency rate.
How does Municipal Emps Cu of Oklahoma City compare to other credit unions?
On PlainCU's health composite, Municipal Emps Cu of Oklahoma City lands at 82/100, compared to a peer group average for $100M–$500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), 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 Municipal Emps Cu of Oklahoma City?
Membership eligibility for Municipal Emps Cu of Oklahoma City depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Municipal Emps Cu of Oklahoma City directly for current membership requirements and application steps.
Is my money safe at Municipal Emps Cu of Oklahoma City?
Federal credit unions like Municipal Emps Cu of Oklahoma City 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. Municipal Emps Cu of Oklahoma City's net worth ratio of 8.72% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Municipal Emps Cu of Oklahoma City offer compared to banks?
Credit unions like Municipal Emps Cu of Oklahoma City 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 Municipal Emps Cu of Oklahoma City 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.