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.
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NCUA 5300 Call Report Masthead
#3,791 of 4,374 health · 2025Q4Oak Cliff Christian · health 67/100 · $7.7M · 2025Q4
Call Report peers
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Oak Cliff Christian vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Oak Cliff Christian sits in 65-69 with 275 others.
67 13th percentile higher than 13% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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.
- One place up in Texas, Baker Hughes (#328) ties at 67/100; one place down, NCE (#330) scores 66/100, 1 point lower.
How Oak Cliff Christian's 5300 filing moved
Oak Cliff Christian: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.1% from $7.7M (2025Q4) to $7.9M (2026Q1).
- Net-worth ratio shifted +0.08 pp (6.85% → 6.93%).
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
Oak Cliff Christian gives up 33 points in total. Return on Assets costs the most, 15 of its 15; Delinquency Rate and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
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
Similar health score
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
Frequently Asked Questions
Is Oak Cliff Christian financially healthy?
On its 2025Q4 NCUA 5300 filing, Oak Cliff Christian scores 67/100 (Good), with a 6.93% net worth ratio and 0.00% of loans delinquent. It ranks #3,791 of 4,374 nationally on health and #329 of 386 in Texas.
How does Oak Cliff Christian compare to other credit unions?
Oak Cliff Christian scores 67/100, higher than 13% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is loan-to-share ratio (87.03% vs 63.60%). Its widest shortfall is net worth ratio (6.93% vs 19.06%).
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?
Oak Cliff Christian 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. Oak Cliff Christian's net worth ratio of 6.93% is relative to 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.