Federal credit union · NORMAN, Oklahoma · NCUA charter #9335
OU
Health score 88/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $79.9M
- Total assets
- 14,043
- Members
- 7.8%
- Net-worth ratio
OU scores 88/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $79.9M; members 14,043; net-worth ratio 7.78%; health rank #1,536 of 4,374; healthier than 65th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#1,536 of 4,374 health · 2025Q4OU · health 88/100 · $79.9M · 2025Q4
Call Report peers
OU in the assets neighbourhood
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OU vs every NCUA-scored credit union
OU sits in the busiest band, 85-89, alongside 857 other credit unions.
88 Top 35% higher than 65% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
OU vs $50M–$100M peers
- Loan-to-Share Ratio leads the peer set - 83.67% here, 62.60% peer average (+21.07 pp).
- Widest shortfall vs peers is Net Worth Ratio: -5.84 pp (7.78% vs 13.62%).
OU in Oklahoma
- Oklahoma health ordinal: #15 of 53.
- Assets rank #28 of 53 inside Oklahoma ($79.9M reported).
- Oklahoma membership ordinal: #17 of 53.
- One place up in Oklahoma, VELMA (#14) ties at 88/100; one place down, Saint Francis Employees (#16) scores 87/100, 1 point lower.
OU Call Report trajectory
OU: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.8% from $79.9M (2025Q4) to $80.5M (2026Q1).
- Net-worth ratio shifted +0.19 pp (7.59% → 7.78%).
7.78% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 88/100 score is built
OU gives up 12 points in total. Return on Assets costs the most, 6.1 of its 15; Delinquency Rate and Member Growth and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 24.4 pts
- Delinquency Rate 25.0 pts
- Return on Assets 8.9 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 14.7 pts
OU vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 7.78% | -5.84 pp |
| Delinquency Rate | 0.41% | -0.55 pp |
| Return on Assets | 0.10% | -0.56 pp |
| Member Growth | 5.39% | - |
| Loan-to-Share Ratio | 83.67% | +21.07 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $80.5M | - |
| 2025Q4 | $79.9M | 14,043 |
| 2024Q4 | $78.9M | 13,325 |
| 2023Q4 | $80.3M | 12,676 |
Credit Union Details
- Charter Number
- 9335
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Oklahoma
- City
- NORMAN
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, OU runs 2 offices.
| Office | City |
|---|---|
| Lindsey (Main Office) | Norman, OK |
| Union | Norman, OK |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Oklahoma
More federally-insured credit unions based in Oklahoma, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
Similar total assets
Similar health score
Using this data
- OU ranks #1,536 of 4,374 nationally on financial health and #15 of 53 in OK -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Dfcu Tulsa is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Dfcu Tulsa
Frequently Asked Questions
Is OU financially healthy?
OU has a financial health score of 88/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,536 of 4,374 nationally on health and #15 of 53 in Oklahoma. Its net worth ratio is 7.78% and its delinquency rate 0.41%.
How does OU compare to other credit unions?
OU scores 88/100, higher than 65% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is loan-to-share ratio (83.67% vs 62.60%). Its widest shortfall is net worth ratio (7.78% vs 13.62%).
How can I join OU?
OU 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 OU directly for the exact boundaries and application steps.
Is my money safe at OU?
OU 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. OU's net worth ratio of 7.78% 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.