Federal credit union · Stillwater, Oklahoma · NCUA charter #18965
Okunity
Health score 93/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 93
- Health / 100
- $214.0M
- Total assets
- 12,840
- Members
- 12.0%
- Net-worth ratio
Okunity - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #18965: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Okunity - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)95
- Member growth58
- Liquidity (loan-to-share)99
Weighted composite: 93/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 12.02% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 12.02% | 30% |
| Delinquency Rate | 0.25% | 25% |
| Return on Assets | 0.45% | 15% |
| Member Growth | -0.18% | 15% |
| Loan-to-Share Ratio | 90.27% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $214.0M | 12,840 |
| 2024Q4 | $212.1M | 12,863 |
| 2023Q4 | $207.1M | 13,196 |
Credit Union Details
- Charter Number
- 18965
- Type
- Federal
- Field of Membership
- Other/Community
- Peer Group
- $100M–$500M
- State
- Oklahoma
- City
- Stillwater
- Data Quarter
- 2025Q4
What This Data Says About Okunity
Headquartered in Stillwater, Oklahoma, Okunity is a federal credit union with 12,840 members, $214.0M in total assets, and $158.0M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 93/100 (Excellent), driven in part by a net worth ratio of 12.02% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #18965 and reports within peer group $100M–$500M, a cohort of 1069 similarly-sized institutions.
Loan book quality rounds out the picture. The delinquency rate of 0.25% measures loans 60+ days past due against total loans outstanding - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running tighter than peers. The loan-to-share ratio of 90.27% indicates how aggressively member deposits are being deployed into lending, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.45% on net income of $972K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -0.18%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Other/Community) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
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.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Okunity financially healthy?
Okunity scores 93/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 12.02% net worth ratio and a 0.25% delinquency rate.
How does Okunity compare to other credit unions?
Okunity scores 93/100 on PlainCU's health composite, compared to a peer group average for $100M–$500M 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 Okunity?
Okunity 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 Okunity directly for the exact boundaries and application steps.
Is my money safe at Okunity?
Federal credit unions like Okunity 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. Okunity's net worth ratio of 12.02% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Okunity offer compared to banks?
Credit unions like Okunity 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 Okunity directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.