State credit union · Tulsa, Oklahoma · NCUA charter #62322
Oklahoma Central
Health score 90/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 90
- Health / 100
- $728.2M
- Total assets
- 42,831
- Members
- 13.8%
- Net-worth ratio
Oklahoma Central scores 90/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $728.2M; members 42,831; net-worth ratio 13.76%; health rank #1,084 of 4,374; healthier than 73rd of scored peers.
Federal Call Report extract
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Oklahoma Central vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Oklahoma Central sits in 90-94 with 747 others.
90 Top 27% higher than 73% 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
Oklahoma Central vs Over $500M peers
- Net Worth Ratio leads the peer set - 13.76% here, 11.18% peer average (+2.58 pp).
- Largest lag: Loan-to-Share Ratio at 52.26% vs peer 83.90% (-31.64 pp).
Oklahoma standing for Oklahoma Central
- In Oklahoma, health place is #10 of 53 on the same NCUA-ratio sort used nationally.
- By total assets, Oklahoma Central is #9 of 53 in Oklahoma.
- Member book place in Oklahoma: #9 of 53.
- One place up in Oklahoma, TINKER (#9) scores 91/100, 1 point higher; one place down, ENDURANCE (#11) ties at 90/100.
Quarter path for Oklahoma Central
Oklahoma Central: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +4.5% from $728.2M (2025Q4) to $760.7M (2026Q1).
- Net-worth ratio shifted -0.51 pp (14.27% → 13.76%).
At 13.76%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 90/100 score is built
Oklahoma Central gives up 10 points in total. Member Growth costs the most, 6.3 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 8.7 pts
- Loan-to-Share Ratio 11.3 pts
Oklahoma Central vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.76% | +2.58 pp |
| Delinquency Rate | 0.21% | -0.67 pp |
| Return on Assets | 0.69% | +0.19 pp |
| Member Growth | -0.15% | - |
| Loan-to-Share Ratio | 52.26% | -31.64 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $760.7M | - |
| 2025Q4 | $728.2M | 42,831 |
| 2024Q4 | $686.9M | 42,897 |
| 2023Q4 | $672.8M | 43,452 |
Credit Union Details
- Charter Number
- 62322
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Oklahoma
- City
- Tulsa
- Data Quarter
- 2025Q4
Branch Locations (9)
Oklahoma Central operates 9 offices across 4 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Brookside (Main Office) | Tulsa, OK |
| Broken Arrow | Broken Arrow, OK |
| Broken Arrow North | Broken Arrow, OK |
| Owasso | Collinsville, OK |
| Jenks Landing | Jenks, OK |
| Garnett | Tulsa, OK |
| Centennial | Tulsa, OK |
| Sheridan South | Tulsa, OK |
| Tulsa Hills | Tulsa, 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.
Oklahoma Central nationwide neighbourhoods
Similar total assets
Similar health score
Using this data
- Oklahoma Central ranks #1,084 of 4,374 nationally on financial health and #10 of 53 in OK -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- True Sky is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with True Sky
Frequently Asked Questions
Is Oklahoma Central financially healthy?
Oklahoma Central has a financial health score of 90/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,084 of 4,374 nationally on health and #10 of 53 in Oklahoma. Its net worth ratio is 13.76% and its delinquency rate 0.21%.
How does Oklahoma Central compare to other credit unions?
Oklahoma Central scores 90/100, higher than 73% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is net worth ratio (13.76% vs 11.18%). Its widest shortfall is loan-to-share ratio (52.26% vs 83.90%).
How can I join Oklahoma Central?
Membership eligibility for Oklahoma Central depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Oklahoma Central directly for current membership requirements and application steps.
Is my money safe at Oklahoma Central?
Oklahoma Central 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. Oklahoma Central's net worth ratio of 13.76% 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.