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
- HEALTH 82/100
- NW 8.7%
- DELQ 0.09%
- ROA 0.16%
- ASSETS $188.8M
- MEM 9,642
- RANK #2,486/4,374
- PHOTO Lone Star
- BOOK 65503
Call Report peers
Municipal Emps Cu of Oklahoma City in the assets neighbourhood
Municipal Emps Cu of Oklahoma City's $188.8M assets sit next to Lone Star ($189.2M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Municipal Emps Cu of Oklahoma City 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
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
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.
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%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for OK only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Municipal Emps Cu of Oklahoma City's 5300 filing moved
Municipal Emps Cu of Oklahoma City: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.4% from $188.8M (2025Q4) to $191.4M (2026Q1).
- Net-worth ratio shifted -0.03 pp (8.72% → 8.69%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 82.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
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
Municipal Emps Cu of Oklahoma City's nationwide photo peers by assets and by health score, excluding Oklahoma charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($188.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (82/100 here).
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
- 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 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. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,486 of 4,374; by total assets it ranks #1,308 of 4,374 nationally (same basis as /rankings/largest); and #19 of 53 within Oklahoma. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 8.69% 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 8.69% 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.
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.