Federal credit union · OMAHA, Nebraska · NCUA charter #6208
Omaha Douglas
Health score 81/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 81
- Health / 100
- $41.5M
- Total assets
- 3,576
- Members
- 10.8%
- Net-worth ratio
Omaha Douglas - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #6208 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Omaha Douglas - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)67
- Earnings (ROA)100
- Member growth67
- Liquidity (loan-to-share)58
Weighted composite: 81/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 10.80%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 10.80% | 30% |
| Delinquency Rate | 1.43% | 25% |
| Return on Assets | 1.26% | 15% |
| Member Growth | 0.93% | 15% |
| Loan-to-Share Ratio | 29.68% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $41.5M | 3,576 |
| 2024Q4 | $41.3M | 3,543 |
| 2023Q4 | $40.3M | 3,702 |
Credit Union Details
- Charter Number
- 6208
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Nebraska
- City
- OMAHA
- Data Quarter
- 2025Q4
What This Data Says About Omaha Douglas
Omaha Douglas is a federal credit union headquartered in OMAHA, Nebraska, serving 3,576 members with $41.5M in total assets and $10.7M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 81/100 (Excellent), anchored by a net worth ratio of 10.80% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #6208 operates under peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
Deposits deployed into lending sit at a 29.68% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Loan quality, meanwhile, shows 1.43% of the book 60+ days past due - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running looser than peers. Return on assets stands at 1.26% on net income of $522K 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 0.93%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: 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 Nebraska
More federally-insured credit unions based in Nebraska, ordered by peer group match and asset size.
- NORTH PLATTE UNION PACIFIC EMPLOYEENorth Platte, NE · $10M–$50M86Health
- FAMILY FOCUSOMAHA, NE · $10M–$50M76Health
- NEBRASKA STATE EMPLOYEESLINCOLN, NE · $10M–$50M90Health
- HASTINGSHastings, NE · $10M–$50M95Health
- OMAHA PUBLIC POWER DIST EMPOmaha, NE · $10M–$50M88Health
Compare Omaha Douglas vs NORTH PLATTE UNION PACIFIC EMPLOYEE
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 Omaha Douglas financially healthy?
Yes/no aside, the number is 81/100 (Excellent) - Omaha Douglas's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 10.80% net worth ratio and 1.43% delinquency rate are the key drivers.
How does Omaha Douglas compare to other credit unions?
PlainCU's health composite puts Omaha Douglas at 81/100, 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 Omaha Douglas?
Omaha Douglas 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 Omaha Douglas directly for the exact boundaries and application steps.
Is my money safe at Omaha Douglas?
Federal credit unions like Omaha Douglas 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. Omaha Douglas's net worth ratio of 10.80% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Omaha Douglas offer compared to banks?
Credit unions like Omaha Douglas 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 Omaha Douglas 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.