Federal credit union · Red Rock, Oklahoma · NCUA charter #24910
OTOE-MISSOURIA
Health score 73/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 73
- Health / 100
- $3.5M
- Total assets
- 720
- Members
- 9.7%
- Net-worth ratio
OTOE-MISSOURIA scores 73/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $3.5M; members 720; net-worth ratio 9.71%; health rank #3,417 of 4,374; healthier than 21st of scored peers.
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#3,417 of 4,374 health · 2025Q4OTOE-MISSOURIA · health 73/100 · $3.5M · 2025Q4
Call Report peers
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OTOE-MISSOURIA vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); OTOE-MISSOURIA sits in 70-74 with 317 others.
73 21st percentile higher than 21% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
OTOE-MISSOURIA vs $2M–$10M peers
- Largest favorable gap: Loan-to-Share Ratio at 67.98% vs peer 63.60% (+4.38 pp).
- Net Worth Ratio trails the peer set - 9.71% here, 19.06% peer average (-9.35 pp).
Where OTOE-MISSOURIA sits in Oklahoma
- Health composite ranks #41 of 53 among scored Oklahoma credit unions.
- Oklahoma assets place: #51 of 53.
- Membership ranks #50 of 53 among Oklahoma CUs with a reported count (720 members).
- One place up in Oklahoma, Cherokee Strip (#40) scores 74/100, 1 point higher; one place down, Energy One (#42) scores 72/100, 1 point lower.
Quarter path for OTOE-MISSOURIA
OTOE-MISSOURIA: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.4% from $3.5M (2025Q4) to $3.5M (2026Q1).
- Net-worth ratio shifted -1.23 pp (10.94% → 9.71%).
This credit union's 9.71% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 73/100 score is built
OTOE-MISSOURIA gives up 27 points in total. Delinquency Rate costs the most, 25 of its 25; Return on Assets scores full marks.
- Net Worth Ratio 29.3 pts
- Delinquency Rate 0.0 pts
- Return on Assets 15.0 pts
- Member Growth 14.6 pts
- Loan-to-Share Ratio 14.1 pts
OTOE-MISSOURIA health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.71% | -9.35 pp |
| Delinquency Rate | 4.10% | +2.29 pp |
| Return on Assets | 0.83% | +0.38 pp |
| Member Growth | 4.65% | - |
| Loan-to-Share Ratio | 67.98% | +4.38 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
OTOE-MISSOURIA filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $3.5M | - |
| 2025Q4 | $3.5M | 720 |
| 2024Q4 | $3.4M | 688 |
| 2023Q4 | $3.1M | 622 |
Credit Union Details
- Charter Number
- 24910
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $2M–$10M
- State
- Oklahoma
- City
- Red Rock
- Data Quarter
- 2025Q4
Branch Location
OTOE-MISSOURIA operates a single office in Red Rock, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Red Rock Branch (Main Office) | Red Rock, 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.
Cross-state Call Report peers for OTOE-MISSOURIA
Similar health score
Using this data
- OTOE-MISSOURIA ranks #3,417 of 4,374 nationally on financial health and #41 of 53 in OK -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Growing Oaks is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Growing Oaks
Frequently Asked Questions
Is OTOE-MISSOURIA financially healthy?
OTOE-MISSOURIA has a financial health score of 73/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,417 of 4,374 nationally on health and #41 of 53 in Oklahoma. Its net worth ratio is 9.71% and its delinquency rate 4.10%.
How does OTOE-MISSOURIA compare to other credit unions?
OTOE-MISSOURIA scores 73/100, higher than 21% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is loan-to-share ratio (67.98% vs 63.60%). Its widest shortfall is net worth ratio (9.71% vs 19.06%).
How can I join OTOE-MISSOURIA?
OTOE-MISSOURIA serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact OTOE-MISSOURIA directly for the current list of qualifying groups.
Is my money safe at OTOE-MISSOURIA?
OTOE-MISSOURIA 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. OTOE-MISSOURIA's net worth ratio of 9.71% 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.