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
- ROA 60/100
- ASSETS 27.3%
- MEM 5.53%
- RANK 0.93%
- PHOTO $4.2M
- BOOK 745
- CHARTER #4,043/4,374
- NCUSIF n/a
- CAMELS 67624
Call Report peers
Oak Farms Employees carries $4.2M 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 Farms Employees 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
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
Oak Farms Employees - Share Insurance Coverage
Charter #67624's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
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%).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for TX only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Oak Farms Employees Call Report trajectory
Oak Farms Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.7% from $4.2M (2025Q4) to $4.2M (2026Q1).
- Net-worth ratio shifted -0.32 pp (27.61% → 27.29%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 60.
- 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 |
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 | $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
Oak Farms Employees's nationwide photo peers by assets and by health score, excluding Texas charters.
Similar health score
Nearest other-state credit unions by five-factor health composite (60/100 here).
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
- 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 Farms Employees financially healthy?
A 27.29% net worth ratio and a 5.53% delinquency rate feed into Oak Farms Employees's financial health score of 60/100 (Good), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,043 of 4,374; by total assets it ranks #3,958 of 4,374 nationally (same basis as /rankings/largest); and #352 of 386 within Texas. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Oak Farms Employees compare to other credit unions?
Oak Farms Employees scores 60/100 on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (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 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?
Federal credit unions like Oak Farms Employees 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 Farms Employees's net worth ratio of 27.29% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Oak Farms Employees offer compared to banks?
Credit unions like Oak Farms Employees 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 Farms Employees 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.