Federal credit union · Lawton, Oklahoma · NCUA charter #12271
Southwest Oklahoma
Health score 88/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $116.2M
- Total assets
- 4,884
- Members
- 18.0%
- Net-worth ratio
Southwest Oklahoma - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #12271 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Southwest Oklahoma - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)89
- Earnings (ROA)100
- Member growth37
- Liquidity (loan-to-share)100
Weighted composite: 88/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
17.99% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 17.99% | 30% |
| Delinquency Rate | 0.77% | 25% |
| Return on Assets | 1.47% | 15% |
| Member Growth | -1.89% | 15% |
| Loan-to-Share Ratio | 78.20% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $116.2M | 4,884 |
| 2024Q4 | $113.2M | 4,978 |
| 2023Q4 | $113.0M | 5,127 |
Credit Union Details
- Charter Number
- 12271
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Oklahoma
- City
- Lawton
- Data Quarter
- 2025Q4
What This Data Says About Southwest Oklahoma
4,884 members and $116.2M in total assets sit behind Southwest Oklahoma, a federal credit union in Lawton, Oklahoma, which posts a health score of 88/100 (Excellent) on the five-factor composite, with $74.7M in outstanding loans as of Q4 2025 and a net worth ratio of 17.99% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #12271 in peer group $100M–$500M, a cohort of 1069 similarly-sized institutions.
Deposits deployed into lending sit at a 78.20% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Loan quality, meanwhile, shows 0.77% of the book 60+ days past due - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running tighter than peers. Return on assets stands at 1.47% on net income of $1.7M 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 -1.89%. 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 Oklahoma
A look at other Oklahoma credit unions, ranked by how closely their peer group and asset size match this one.
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 Southwest Oklahoma financially healthy?
Yes/no aside, the number is 88/100 (Excellent) - Southwest Oklahoma's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 17.99% net worth ratio and 0.77% delinquency rate are the key drivers.
How does Southwest Oklahoma compare to other credit unions?
On PlainCU's health composite, Southwest Oklahoma lands at 88/100, compared to a peer group average for $100M–$500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 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 Southwest Oklahoma?
Southwest Oklahoma 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 Southwest Oklahoma directly for the exact boundaries and application steps.
Is my money safe at Southwest Oklahoma?
Federal credit unions like Southwest Oklahoma 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. Southwest Oklahoma's net worth ratio of 17.99% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Southwest Oklahoma offer compared to banks?
Credit unions like Southwest Oklahoma 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 Southwest Oklahoma 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.