Federal credit union · Dallas, Texas · NCUA charter #24804
Oak Cliff Christian
Health score 63/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 63
- Health / 100
- $7.7M
- Total assets
- 1,532
- Members
- 6.3%
- Net-worth ratio
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.
Oak Cliff Christian - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)58
- Asset quality (delinquency)100
- Earnings (ROA)0
- Member growth35
- Liquidity (loan-to-share)100
Weighted composite: 63/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
6.32% net worth is short of the NCUA's 7.0% well-capitalized bar for this institution.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 6.32% | 30% |
| Delinquency Rate | 0.00% | 25% |
| Return on Assets | -1.42% | 15% |
| Member Growth | -2.05% | 15% |
| Loan-to-Share Ratio | 87.03% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Oak Cliff Christian
Headquartered in Dallas, Texas, Oak Cliff Christian is a federal credit union with 1,532 members, $7.7M in total assets, and $6.1M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 63/100 (Good), driven in part by a net worth ratio of 6.32% - relative to the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #24804 and reports within peer group $2M–$10M, a cohort of 566 similarly-sized institutions.
Two more numbers round out the picture: a 0.00% delinquency rate (loans 60+ days past due against the total book) - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running tighter than peers - and a 87.03% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at -1.42% on net income of $-108487 for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -2.05%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Community). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
Nearby Credit Unions in Texas
More federally-insured credit unions based in Texas, ordered by peer group match and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Oak Cliff Christian financially healthy?
Oak Cliff Christian has a financial health score of 63/100 (Good) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 6.32% 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 63/100, 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 6.32% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.