Federal credit union · MUSKOGEE, Oklahoma · NCUA charter #946
MUSKOGEE
Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $109.5M
- Total assets
- 8,247
- Members
- 12.5%
- Net-worth ratio
MUSKOGEE scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $109.5M; members 8,247; net-worth ratio 12.46%; health rank #1,641 of 4,374; healthier than 60th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#1,641 of 4,374 health · 2025Q4MUSKOGEE · health 87/100 · $109.5M · 2025Q4
Call Report peers
MUSKOGEE in the assets neighbourhood
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MUSKOGEE vs every NCUA-scored credit union
MUSKOGEE sits in the busiest band, 85-89, alongside 857 other credit unions.
87 Top 40% higher than 60% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
MUSKOGEE: Call Report deltas vs peers
- Strongest edge vs 1069 $100M–$500M peers is Return on Assets: +0.85 pp (1.48% vs 0.62%).
- Loan-to-Share Ratio trails the peer set - 39.12% here, 72.20% peer average (-33.08 pp).
Oklahoma standing for MUSKOGEE
- In Oklahoma, health place is #17 of 53 on the same NCUA-ratio sort used nationally.
- Oklahoma assets place: #26 of 53.
- Oklahoma membership ordinal: #27 of 53.
- One place up in Oklahoma, Saint Francis Employees (#16) ties at 87/100; one place down, Red River (#18) ties at 87/100.
Quarter path for MUSKOGEE
MUSKOGEE: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.0% from $109.5M (2025Q4) to $111.7M (2026Q1).
- Net-worth ratio shifted +0.29 pp (12.17% → 12.46%).
At 12.46%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 87/100 score is built
MUSKOGEE gives up 13 points in total. Member Growth costs the most, 7.2 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 7.8 pts
- Loan-to-Share Ratio 9.2 pts
MUSKOGEE vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.46% | +0.35 pp |
| Delinquency Rate | 0.37% | -0.52 pp |
| Return on Assets | 1.48% | +0.85 pp |
| Member Growth | -0.66% | - |
| Loan-to-Share Ratio | 39.12% | -33.08 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Call Report history - MUSKOGEE
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $111.7M | - |
| 2025Q4 | $109.5M | 8,247 |
| 2024Q4 | $103.4M | 8,302 |
| 2023Q4 | $99.9M | 8,393 |
Credit Union Details
- Charter Number
- 946
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Oklahoma
- City
- MUSKOGEE
- Data Quarter
- 2025Q4
Branch Locations (3)
MUSKOGEE operates 3 offices across 2 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Muskogee Federal Credit Union (Main Office) | Muskogee, OK |
| Muskogee Federal Credit Union | Muskogee, OK |
| Muskogee Federal Credit Union | Tahlequah, 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.
MUSKOGEE nationwide neighbourhoods
Similar total assets
Using this data
- MUSKOGEE ranks #1,641 of 4,374 nationally on financial health and #17 of 53 in OK -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Southwest Oklahoma is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Southwest Oklahoma
Frequently Asked Questions
Is MUSKOGEE financially healthy?
MUSKOGEE has a financial health score of 87/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,641 of 4,374 nationally on health and #17 of 53 in Oklahoma. Its net worth ratio is 12.46% and its delinquency rate 0.37%.
How does MUSKOGEE compare to other credit unions?
MUSKOGEE scores 87/100, higher than 60% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is return on assets (1.48% vs 0.62%). Its widest shortfall is loan-to-share ratio (39.12% vs 72.20%).
How can I join MUSKOGEE?
MUSKOGEE 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 MUSKOGEE directly for the exact boundaries and application steps.
Is my money safe at MUSKOGEE?
MUSKOGEE is a federal 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. MUSKOGEE's net worth ratio of 12.46% 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.