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
- ASSETS 87/100
- MEM 12.5%
- RANK 0.37%
- PHOTO 1.48%
- BOOK $109.5M
- CHARTER 8,247
- NCUSIF #1,641/4,374
- CAMELS Salt City
- HEALTH 946
Call Report peers
MUSKOGEE in the assets neighbourhood
MUSKOGEE's $109.5M assets sit next to Salt City ($109.5M) 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.
MUSKOGEE 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
87 Top 40% higher than 60% 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
MUSKOGEE - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #946. See our deposit-insurance coverage note.
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).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for OK only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for MUSKOGEE
MUSKOGEE: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.0% from $109.5M (2025Q4) to $111.7M (2026Q1).
- Net-worth ratio shifted +0.29 pp (12.17% → 12.46%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 87.
- 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 |
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 - 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
Cross-state asset and health neighbours for MUSKOGEE - kept outside Oklahoma; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($109.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (87/100 here).
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
- 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 MUSKOGEE financially healthy?
A 12.46% net worth ratio and a 0.37% delinquency rate feed into MUSKOGEE's financial health score of 87/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,641 of 4,374; by total assets it ranks #1,748 of 4,374 nationally (same basis as /rankings/largest); and #26 of 53 within Oklahoma. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does MUSKOGEE compare to other credit unions?
PlainCU's health composite puts MUSKOGEE at 87/100, compared to a peer group average for $100M–$500M 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 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?
Federal credit unions like MUSKOGEE 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. MUSKOGEE's net worth ratio of 12.46% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does MUSKOGEE offer compared to banks?
Credit unions like MUSKOGEE 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 MUSKOGEE 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.