State credit union · HOUSTON, Texas · NCUA charter #67624
Oak Farms Employees
Health score 60/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 60
- Health / 100
- $4.2M
- Total assets
- 745
- Members
- 27.3%
- Net-worth ratio
Oak Farms Employees scores 60/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $4.2M; members 745; net-worth ratio 27.29%; health rank #4,043 of 4,374; healthier than 7th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#4,043 of 4,374 health · 2025Q4Oak Farms Employees · health 60/100 · $4.2M · 2025Q4
Call Report peers
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Oak Farms Employees vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Oak Farms Employees sits in 60-64 with 179 others.
60 7th percentile higher than 7% 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
Where Oak Farms Employees diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 89.24% vs peer 63.60% (+25.64 pp).
- Widest shortfall vs peers is Delinquency Rate: +3.72 pp (5.53% vs 1.81%).
Oak Farms Employees: in-state Call Report ranks
- Health composite ranks #357 of 386 among scored Texas credit unions.
- Assets rank #352 of 386 inside Texas ($4.2M reported).
- Texas membership ordinal: #339 of 386.
- One place up in Texas, Tex Mex (#356) scores 61/100, 1 point higher; one place down, Texas People (#358) ties at 60/100.
Oak Farms Employees Call Report trajectory
Oak Farms Employees: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.7% from $4.2M (2025Q4) to $4.2M (2026Q1).
- Net-worth ratio shifted -0.32 pp (27.61% → 27.29%).
At 27.29%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 60/100 score is built
Oak Farms Employees gives up 40 points in total. Delinquency Rate costs the most, 25 of its 25; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 0.0 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 15.0 pts
Oak Farms Employees health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 27.29% | +8.23 pp |
| Delinquency Rate | 5.53% | +3.72 pp |
| Return on Assets | 0.93% | +0.47 pp |
| Member Growth | -5.34% | - |
| Loan-to-Share Ratio | 89.24% | +25.64 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $4.2M | - |
| 2025Q4 | $4.2M | 745 |
| 2024Q4 | $4.3M | 787 |
| 2023Q4 | $4.1M | 809 |
Credit Union Details
- Charter Number
- 67624
- Type
- State
- Field of Membership
- Other
- Peer Group
- $2M–$10M
- State
- Texas
- City
- HOUSTON
- Data Quarter
- 2025Q4
Branch Locations (2)
Oak Farms Employees operates 2 offices across 2 cities, spanning 2 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Office (Main Office) | Houston, TX |
| FedComp | Fairfax, VA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
A look at other Texas credit unions, ranked by how closely their peer group and asset size match this one.
Other-state peers near Oak Farms Employees
Similar health score
Using this data
- Oak Farms Employees ranks #4,043 of 4,374 nationally on financial health and #357 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- BELTON is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with BELTON
Frequently Asked Questions
Is Oak Farms Employees financially healthy?
On its 2025Q4 NCUA 5300 filing, Oak Farms Employees scores 60/100 (Good), with a 27.29% net worth ratio and 5.53% of loans delinquent. It ranks #4,043 of 4,374 nationally on health and #357 of 386 in Texas.
How does Oak Farms Employees compare to other credit unions?
Oak Farms Employees scores 60/100, higher than 7% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is loan-to-share ratio (89.24% vs 63.60%). Its widest shortfall is delinquency rate (5.53% vs 1.81%).
How can I join Oak Farms Employees?
Membership eligibility for Oak Farms Employees depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Oak Farms Employees directly for current membership requirements and application steps.
Is my money safe at Oak Farms Employees?
Oak Farms Employees is a state-chartered 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 Farms Employees's net worth ratio of 27.29% 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.