Federal credit union · Dallas, Texas · NCUA charter #24804
Oak Cliff Christian
Health score 67/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 67
- Health / 100
- $7.7M
- Total assets
- 1,532
- Members
- 6.9%
- Net-worth ratio
Oak Cliff Christian scores 67/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $7.7M; members 1,532; net-worth ratio 6.93%; health rank #3,791 of 4,374; healthier than 13th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#3,791 of 4,374 health · 2025Q4Oak Cliff Christian · health 67/100 · $7.7M · 2025Q4
- ASSETS 67/100
- MEM 6.9%
- RANK 0.00%
- PHOTO -1.42%
- BOOK $7.7M
- CHARTER 1,532
- NCUSIF #3,791/4,374
- CAMELS n/a
- HEALTH 24804
Call Report peers
Oak Cliff Christian carries $7.7M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Oak Cliff Christian 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
67 13th percentile higher than 13% 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
Oak Cliff Christian - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #24804, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Peer-gap read for Oak Cliff Christian
- Largest favorable gap: Loan-to-Share Ratio at 87.03% vs peer 63.60% (+23.43 pp).
- Largest lag: Net Worth Ratio at 6.93% vs peer 19.06% (-12.13 pp).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Oak Cliff Christian: in-state Call Report ranks
- Texas health ordinal: #329 of 386.
- Texas assets place: #322 of 386.
- Texas membership ordinal: #279 of 386.
In-state ordinals use the live credit_unions table for TX only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Oak Cliff Christian's 5300 filing moved
Oak Cliff Christian: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.1% from $7.7M (2025Q4) to $7.9M (2026Q1).
- Net-worth ratio shifted +0.08 pp (6.85% → 6.93%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
6.93% net worth is short of the NCUA's 7.0% well-capitalized bar for this institution.
How the 67/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 67.
- Net Worth Ratio 22.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 0.0 pts
- Member Growth 5.3 pts
- Loan-to-Share Ratio 14.7 pts
Call Report ratios for Oak Cliff Christian
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 6.93% | -12.13 pp |
| Delinquency Rate | 0.00% | -1.81 pp |
| Return on Assets | -1.42% | -1.87 pp |
| Member Growth | -2.05% | - |
| Loan-to-Share Ratio | 87.03% | +23.43 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $7.9M | - |
| 2025Q4 | $7.7M | 1,532 |
| 2024Q4 | $6.8M | 1,564 |
| 2023Q4 | $7.6M | 1,703 |
Credit Union Details
- Charter Number
- 24804
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- Texas
- City
- Dallas
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, Oak Cliff Christian runs one office.
| Office | City |
|---|---|
| Branch (Main Office) | Dallas, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
More federally-insured credit unions based in Texas, ordered by peer group match and asset size.
Cross-state Call Report peers for Oak Cliff Christian
Cross-state asset and health neighbours for Oak Cliff Christian - kept outside Texas; in-state CUs stay in the Nearby block.
Similar health score
Nearest other-state credit unions by five-factor health composite (67/100 here).
Using this data
- Oak Cliff Christian ranks #3,791 of 4,374 nationally on financial health and #329 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Seminole Public Schools is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Seminole Public Schools
- Rates and health both vary by institution, not just by state -- see how Texas credit unions compare overall before assuming this one is typical. Texas 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 Oak Cliff Christian financially healthy?
Oak Cliff Christian has a financial health score of 67/100 (Good) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,791 of 4,374; by total assets it ranks #3,694 of 4,374 nationally (same basis as /rankings/largest); and #322 of 386 within Texas. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 6.93% and delinquency rate of 0.00%.
How does Oak Cliff Christian compare to other credit unions?
On PlainCU's health composite, Oak Cliff Christian lands at 67/100, compared to a peer group average for $2M–$10M 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 Oak Cliff Christian?
Oak Cliff Christian 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 Oak Cliff Christian directly for the exact boundaries and application steps.
Is my money safe at Oak Cliff Christian?
Federal credit unions like Oak Cliff Christian 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. Oak Cliff Christian's net worth ratio of 6.93% is relative to the 7% threshold NCUA considers "well capitalized."
What rates does Oak Cliff Christian offer compared to banks?
Credit unions like Oak Cliff Christian 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 Oak Cliff Christian 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.