Federal credit union · Tulsa, Oklahoma · NCUA charter #19593
Saint Francis Employees
Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $43.0M
- Total assets
- 5,902
- Members
- 15.8%
- Net-worth ratio
Saint Francis Employees scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $43.0M; members 5,902; net-worth ratio 15.76%; health rank #1,592 of 4,374; healthier than 60th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#1,592 of 4,374 health · 2025Q4Saint Francis Employees · health 87/100 · $43.0M · 2025Q4
- ROA 87/100
- ASSETS 15.8%
- MEM 0.29%
- RANK 1.16%
- PHOTO $43.0M
- BOOK 5,902
- CHARTER #1,592/4,374
- NCUSIF Gulf Coast
- CAMELS 19593
Call Report peers
Saint Francis Employees in the assets neighbourhood
Saint Francis Employees's $43.0M assets sit next to Gulf Coast ($42.9M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Saint Francis Employees 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
87 Top 40% higher than 60% 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
Saint Francis Employees - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #19593, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Peer-gap read for Saint Francis Employees
- Strongest edge vs 1163 $10M–$50M peers is Net Worth Ratio: +0.90 pp (15.76% vs 14.86%).
- Largest lag: Loan-to-Share Ratio at 42.58% vs peer 59.80% (-17.22 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Saint Francis Employees in Oklahoma
- Oklahoma health ordinal: #16 of 53.
- Oklahoma assets place: #33 of 53.
- Membership ranks #29 of 53 among Oklahoma CUs with a reported count (5,902 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.
Saint Francis Employees Call Report trajectory
Saint Francis Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.1% from $43.0M (2025Q4) to $44.3M (2026Q1).
- Net-worth ratio shifted -0.18 pp (15.94% → 15.76%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 15.76%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 87/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 87.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 6.9 pts
- Loan-to-Share Ratio 10.1 pts
Saint Francis Employees health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 15.76% | +0.90 pp |
| Delinquency Rate | 0.29% | -0.86 pp |
| Return on Assets | 1.16% | +0.45 pp |
| Member Growth | -1.16% | - |
| Loan-to-Share Ratio | 42.58% | -17.22 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Call Report history - Saint Francis Employees
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $44.3M | - |
| 2025Q4 | $43.0M | 5,902 |
| 2024Q4 | $41.6M | 5,971 |
| 2023Q4 | $43.1M | 6,142 |
Credit Union Details
- Charter Number
- 19593
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Oklahoma
- City
- Tulsa
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, Saint Francis Employees runs 2 offices.
| Office | City |
|---|---|
| Main Office (Main Office) | Tulsa, OK |
| Saint Francis Hospital | Tulsa, 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.
Cross-state Call Report peers for Saint Francis Employees
Two NCUA Call Report peer sets for Saint Francis Employees, both outside Oklahoma so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($43.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (87/100 here).
Using this data
- Saint Francis Employees ranks #1,592 of 4,374 nationally on financial health and #16 of 53 in OK -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- BISON is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with BISON
- 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 Saint Francis Employees financially healthy?
Saint Francis Employees has a financial health score of 87/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,592 of 4,374; by total assets it ranks #2,536 of 4,374 nationally (same basis as /rankings/largest); and #33 of 53 within Oklahoma. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 15.76% and delinquency rate of 0.29%.
How does Saint Francis Employees compare to other credit unions?
Five weighted metrics from NCUA filings produce Saint Francis Employees's 87/100 score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 Saint Francis Employees?
Saint Francis Employees 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 Saint Francis Employees directly for the exact boundaries and application steps.
Is my money safe at Saint Francis Employees?
Federal credit unions like Saint Francis Employees 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. Saint Francis Employees's net worth ratio of 15.76% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Saint Francis Employees offer compared to banks?
Credit unions like Saint Francis Employees 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 Saint Francis Employees 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.