Federal credit union · Stillwater, Oklahoma · NCUA charter #18965
OKUNITY
Health score 93/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 93
- Health / 100
- $214.0M
- Total assets
- 12,840
- Members
- 11.9%
- Net-worth ratio
OKUNITY scores 93/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $214.0M; members 12,840; net-worth ratio 11.94%; health rank #636 of 4,374; healthier than 84th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#636 of 4,374 health · 2025Q4OKUNITY · health 93/100 · $214.0M · 2025Q4
Call Report peers
OKUNITY in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
OKUNITY vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); OKUNITY sits in 90-94 with 747 others.
93 Top 16% higher than 84% 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
Peer-gap read for OKUNITY
- Loan-to-Share Ratio leads the peer set - 90.27% here, 72.20% peer average (+18.07 pp).
- Largest lag: Net Worth Ratio at 11.94% vs peer 12.11% (-0.17 pp).
OKUNITY: in-state Call Report ranks
- Oklahoma health ordinal: #7 of 53.
- Oklahoma assets place: #15 of 53.
- Oklahoma membership ordinal: #19 of 53.
- One place up in Oklahoma, Western Sun (#6) ties at 93/100; one place down, ARBUCKLE (#8) ties at 93/100.
How OKUNITY's 5300 filing moved
OKUNITY: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.9% from $214.0M (2025Q4) to $218.0M (2026Q1).
- Net-worth ratio shifted -0.08 pp (12.02% → 11.94%).
This credit union's 11.94% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 93/100 score is built
OKUNITY gives up 7 points in total. Member Growth costs the most, 6.3 of its 15; Net Worth Ratio and Delinquency Rate score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 14.3 pts
- Member Growth 8.7 pts
- Loan-to-Share Ratio 15.0 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.94% | -0.17 pp |
| Delinquency Rate | 0.25% | -0.64 pp |
| Return on Assets | 0.45% | -0.17 pp |
| Member Growth | -0.18% | - |
| Loan-to-Share Ratio | 90.27% | +18.07 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Call Report history - OKUNITY
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $218.0M | - |
| 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
Branch Locations (2)
Per its most recent NCUA branch filing, OKUNITY runs 2 offices.
| Office | City |
|---|---|
| Main (Main Office) | Stillwater, OK |
| Sangre Property | Stillwater, 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.
OKUNITY nationwide neighbourhoods
Using this data
- OKUNITY ranks #636 of 4,374 nationally on financial health and #7 of 53 in OK -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- U. S. Employees O. C. is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with U. S. Employees O. C.
Frequently Asked Questions
Is OKUNITY financially healthy?
OKUNITY has a financial health score of 93/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #636 of 4,374 nationally on health and #7 of 53 in Oklahoma. Its net worth ratio is 11.94% and its delinquency rate 0.25%.
How does OKUNITY compare to other credit unions?
OKUNITY scores 93/100, higher than 84% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (90.27% vs 72.20%). Its widest shortfall is net worth ratio (11.94% vs 12.11%).
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?
OKUNITY is a federal 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. OKUNITY's net worth ratio of 11.94% 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.