Federal credit union · TULSA, Oklahoma · NCUA charter #7154
Ok Members First
Health score 79/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 79
- Health / 100
- $24.5M
- Total assets
- 3,261
- Members
- 14.6%
- Net-worth ratio
Ok Members First scores 79/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $24.5M; members 3,261; net-worth ratio 14.62%; health rank #2,842 of 4,374; healthier than 33rd of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,842 of 4,374 health · 2025Q4Ok Members First · health 79/100 · $24.5M · 2025Q4
- MEM 79/100
- RANK 14.6%
- PHOTO 1.11%
- BOOK 0.36%
- CHARTER $24.5M
- NCUSIF 3,261
- CAMELS #2,842/4,374
- HEALTH N.F.G. #2
- NW 7154
Call Report peers
Ok Members First in the assets neighbourhood
Ok Members First's $24.5M assets sit next to N.F.G. #2 ($24.6M) 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 Members First 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
79 33rd percentile higher than 33% 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 Members First - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #7154, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Where Ok Members First diverges from peer averages
- Strongest edge vs 1163 $10M–$50M peers is Loan-to-Share Ratio: +18.01 pp (77.81% vs 59.80%).
- Largest lag: Return on Assets at 0.36% vs peer 0.70% (-0.35 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Oklahoma standing for Ok Members First
- Health composite ranks #34 of 53 among scored Oklahoma credit unions.
- Oklahoma assets place: #41 of 53.
- Member book place in Oklahoma: #38 of 53.
In-state ordinals use the live credit_unions table for OK only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Ok Members First
Ok Members First: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.6% from $24.5M (2025Q4) to $24.7M (2026Q1).
- Net-worth ratio shifted -0.01 pp (14.63% → 14.62%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 14.62% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 79/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 79.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 19.2 pts
- Return on Assets 12.8 pts
- Member Growth 1.8 pts
- Loan-to-Share Ratio 15.2 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.62% | -0.24 pp |
| Delinquency Rate | 1.11% | -0.03 pp |
| Return on Assets | 0.36% | -0.35 pp |
| Member Growth | -4.00% | - |
| Loan-to-Share Ratio | 77.81% | +18.01 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).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $24.7M | - |
| 2025Q4 | $24.5M | 3,261 |
| 2024Q4 | $27.1M | 3,397 |
| 2023Q4 | $24.1M | 3,449 |
Credit Union Details
- Charter Number
- 7154
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Oklahoma
- City
- TULSA
- Data Quarter
- 2025Q4
Branch Location
Ok Members First operates a single office in Tulsa, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Ok Members First Federal Credit Union (Main Office) | Tulsa, OK |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Oklahoma
Other federally-insured credit unions in Oklahoma, closest first by peer group and asset size.
Ok Members First nationwide neighbourhoods
Two NCUA Call Report peer sets for Ok Members First, both outside Oklahoma so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($24.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (79/100 here).
Using this data
- Ok Members First ranks #2,842 of 4,374 nationally on financial health and #34 of 53 in OK -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- OK is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with OK
- 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 Members First financially healthy?
Ok Members First has a financial health score of 79/100 (Very Good) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,842 of 4,374; by total assets it ranks #3,009 of 4,374 nationally (same basis as /rankings/largest); and #41 of 53 within Oklahoma. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 14.62% and delinquency rate of 1.11%.
How does Ok Members First compare to other credit unions?
79/100 is Ok Members First's score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 Members First?
Ok Members First 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 Members First directly for the exact boundaries and application steps.
Is my money safe at Ok Members First?
Federal credit unions like Ok Members First 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 Members First's net worth ratio of 14.62% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Ok Members First offer compared to banks?
Credit unions like Ok Members First 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 Members First 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.