State credit union · OKLAHOMA CITY, Oklahoma · NCUA charter #65503
Municipal Emps Cu of Oklahoma City
Health score 82/100, grade A (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 scores 82/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $188.8M; members 9,642; net-worth ratio 8.69%; health rank #2,486 of 4,374; healthier than 43rd of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,486 of 4,374 health · 2025Q4Municipal Emps Cu · health 82/100 · $188.8M · 2025Q4
Call Report peers
Municipal Emps Cu of Oklahoma City in the assets neighbourhood
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Municipal Emps Cu of Oklahoma City vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Municipal Emps Cu of Oklahoma City sits in 80-84 with 767 others.
82 43rd percentile higher than 43% 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
Where Municipal Emps Cu of Oklahoma City diverges from peer averages
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +6.01 pp (78.21% vs 72.20%).
- Widest shortfall vs peers is Net Worth Ratio: -3.42 pp (8.69% vs 12.11%).
Municipal Emps Cu of Oklahoma City in Oklahoma
- In Oklahoma, health place is #30 of 53 on the same NCUA-ratio sort used nationally.
- Assets rank #19 of 53 inside Oklahoma ($188.8M reported).
- Member book place in Oklahoma: #22 of 53.
- One place up in Oklahoma, Oklahoma Educators (#29) ties at 82/100; one place down, Fire Fighters (#31) scores 81/100, 1 point lower.
How Municipal Emps Cu of Oklahoma City's 5300 filing moved
Municipal Emps Cu of Oklahoma City: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.4% from $188.8M (2025Q4) to $191.4M (2026Q1).
- Net-worth ratio shifted -0.03 pp (8.72% → 8.69%).
At 8.69%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 82/100 score is built
Municipal Emps Cu of Oklahoma City gives up 18 points in total. Member Growth costs the most, 9.9 of its 15; Delinquency Rate and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 26.7 pts
- Delinquency Rate 25.0 pts
- Return on Assets 9.8 pts
- Member Growth 5.1 pts
- Loan-to-Share Ratio 15.4 pts
Municipal Emps Cu of Oklahoma City vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.69% | -3.42 pp |
| Delinquency Rate | 0.09% | -0.80 pp |
| Return on Assets | 0.16% | -0.47 pp |
| Member Growth | -2.15% | - |
| Loan-to-Share Ratio | 78.21% | +6.01 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Call Report history - Municipal Emps Cu of Oklahoma City
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $191.4M | - |
| 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
Branch Locations (5)
Municipal Emps Cu of Oklahoma City operates 5 offices across 2 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| MECU-DOWNTOWN (Main Office) | OKLAHOMA CITY, OK |
| MECU SOUTH | OKLAHOMA CITY, OK |
| MECU-DOWNTOWN DRIVE THRU | OKLAHOMA CITY, OK |
| MECU 121 SW 89th | Oklahoma City, OK |
| MECU NORTH EDMOND | OKLAHOMA CITY, 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.
Cross-state Call Report peers for Municipal Emps Cu
Similar total assets
Similar health score
Using this data
- Municipal Emps Cu of Oklahoma City ranks #2,486 of 4,374 nationally on financial health and #30 of 53 in OK -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- ENDURANCE is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with ENDURANCE
Frequently Asked Questions
Is Municipal Emps Cu of Oklahoma City financially healthy?
Municipal Emps Cu of Oklahoma City has a financial health score of 82/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,486 of 4,374 nationally on health and #30 of 53 in Oklahoma. Its net worth ratio is 8.69% and its delinquency rate 0.09%.
How does Municipal Emps Cu of Oklahoma City compare to other credit unions?
Municipal Emps Cu of Oklahoma City scores 82/100, higher than 43% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (78.21% vs 72.20%). Its widest shortfall is net worth ratio (8.69% vs 12.11%).
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?
Municipal Emps Cu of Oklahoma City is a state-chartered 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. Municipal Emps Cu of Oklahoma City's net worth ratio of 8.69% exceeds 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.