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.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#3,417 of 4,374 health · 2025Q4OTOE-MISSOURIA · health 73/100 · $3.5M · 2025Q4
- HEALTH 73/100
- NW 9.7%
- DELQ 4.10%
- ROA 0.83%
- ASSETS $3.5M
- MEM 720
- RANK #3,417/4,374
- PHOTO n/a
- BOOK 24910
Call Report peers
OTOE-MISSOURIA carries $3.5M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
OTOE-MISSOURIA vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
73 21st percentile higher than 21% 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
OTOE-MISSOURIA - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #24910. See our deposit-insurance coverage note.
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).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for OK only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for OTOE-MISSOURIA
OTOE-MISSOURIA: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.4% from $3.5M (2025Q4) to $3.5M (2026Q1).
- Net-worth ratio shifted -1.23 pp (10.94% → 9.71%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 73.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
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
OTOE-MISSOURIA's nationwide photo peers by assets and by health score, excluding Oklahoma charters.
Similar health score
Nearest other-state credit unions by five-factor health composite (73/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Oklahoma credit unions compare overall before assuming this one is typical. Oklahoma state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is OTOE-MISSOURIA financially healthy?
Yes/no aside, the number is 73/100 (Very Good) - OTOE-MISSOURIA's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,417 of 4,374; by total assets it ranks #4,010 of 4,374 nationally (same basis as /rankings/largest); and #51 of 53 within Oklahoma. Above 80 reads excellent, below 50 warrants closer monitoring; a 9.71% net worth ratio and 4.10% delinquency rate are the key drivers.
How does OTOE-MISSOURIA compare to other credit unions?
OTOE-MISSOURIA scores 73/100 on PlainCU's health composite, compared to a peer group average for $2M–$10M 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 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?
Federal credit unions like OTOE-MISSOURIA 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. OTOE-MISSOURIA's net worth ratio of 9.71% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does OTOE-MISSOURIA offer compared to banks?
Credit unions like OTOE-MISSOURIA 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 OTOE-MISSOURIA directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
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.