Federal credit union · Bartlesville, Oklahoma · NCUA charter #10158
OK
Health score 94/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 94
- Health / 100
- $25.2M
- Total assets
- 3,503
- Members
- 15.1%
- Net-worth ratio
OK scores 94/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $25.2M; members 3,503; net-worth ratio 15.13%; health rank #467 of 4,374; healthier than 87th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#467 of 4,374 health · 2025Q4OK · health 94/100 · $25.2M · 2025Q4
- ASSETS 94/100
- MEM 15.1%
- RANK 0.37%
- PHOTO 1.30%
- BOOK $25.2M
- CHARTER 3,503
- NCUSIF #467/4,374
- CAMELS SEG
- HEALTH 10158
Call Report peers
OK in the assets neighbourhood
OK's $25.2M assets sit next to SEG ($25.3M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
OK 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
94 Top 13% higher than 87% 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
OK - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #10158 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Peer-gap read for OK
- Loan-to-Share Ratio leads the peer set - 82.32% here, 59.80% peer average (+22.52 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
OK in Oklahoma
- Oklahoma health ordinal: #4 of 53.
- Oklahoma assets place: #40 of 53.
- Membership ranks #33 of 53 among Oklahoma CUs with a reported count (3,503 members).
In-state ordinals use the live credit_unions table for OK only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
OK: 2025Q4 → 2026Q1
OK: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +6.6% from $25.2M (2025Q4) to $26.9M (2026Q1).
- Net-worth ratio shifted -0.84 pp (15.97% → 15.13%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 15.13%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 94/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 94.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 9.0 pts
- Loan-to-Share Ratio 15.0 pts
Call Report ratios for OK
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 15.13% | +0.27 pp |
| Delinquency Rate | 0.37% | -0.78 pp |
| Return on Assets | 1.30% | +0.60 pp |
| Member Growth | 0.00% | - |
| Loan-to-Share Ratio | 82.32% | +22.52 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Call Report history - OK
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $26.9M | - |
| 2025Q4 | $25.2M | 3,503 |
| 2024Q4 | $25.3M | 3,503 |
| 2023Q4 | $25.7M | 3,523 |
Credit Union Details
- Charter Number
- 10158
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Oklahoma
- City
- Bartlesville
- Data Quarter
- 2025Q4
Branch Location
OK operates a single office in Bartlesville, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main (Main Office) | Bartlesville, OK |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Oklahoma
A look at other Oklahoma credit unions, ranked by how closely their peer group and asset size match this one.
Cross-state Call Report peers for OK
OK's nationwide photo peers by assets and by health score, excluding Oklahoma charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($25.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (94/100 here).
Using this data
- OK ranks #467 of 4,374 nationally on financial health and #4 of 53 in OK -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- ENERGIZE is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with ENERGIZE
- Rates and health both vary by institution, not just by state -- see how Oklahoma credit unions compare overall before assuming this one is typical. Oklahoma 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 OK financially healthy?
OK scores 94/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #467 of 4,374; by total assets it ranks #2,987 of 4,374 nationally (same basis as /rankings/largest); and #40 of 53 within Oklahoma. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 15.13% net worth ratio and a 0.37% delinquency rate.
How does OK compare to other credit unions?
PlainCU's health composite puts OK at 94/100, compared to a peer group average for $10M–$50M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 OK?
OK 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 OK directly for the exact boundaries and application steps.
Is my money safe at OK?
Federal credit unions like OK 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. OK's net worth ratio of 15.13% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does OK offer compared to banks?
Credit unions like OK 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 OK 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.