Federal credit union · Lawton, Oklahoma · NCUA charter #12271
Southwest Oklahoma
Health score 88/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $116.2M
- Total assets
- 4,884
- Members
- 18.6%
- Net-worth ratio
Southwest Oklahoma scores 88/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $116.2M; members 4,884; net-worth ratio 18.64%; health rank #1,390 of 4,374; healthier than 65th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#1,390 of 4,374 health · 2025Q4Southwest Oklahoma · health 88/100 · $116.2M · 2025Q4
- NCUSIF 88/100
- CAMELS 18.6%
- HEALTH 0.77%
- NW 1.47%
- DELQ $116.2M
- ROA 4,884
- ASSETS #1,390/4,374
- MEM BREWER
- RANK 12271
Call Report peers
Southwest Oklahoma in the assets neighbourhood
Southwest Oklahoma's $116.2M assets sit next to BREWER ($116.2M) 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.
Southwest Oklahoma 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
88 Top 35% higher than 65% 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
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.
Where Southwest Oklahoma diverges from peer averages
- Strongest edge vs 1069 $100M–$500M peers is Net Worth Ratio: +6.53 pp (18.64% vs 12.11%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Southwest Oklahoma sits in Oklahoma
- Oklahoma health ordinal: #13 of 53.
- By total assets, Southwest Oklahoma is #25 of 53 in Oklahoma.
- Member book place in Oklahoma: #30 of 53.
In-state ordinals use the live credit_unions table for OK only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Southwest Oklahoma's 5300 filing moved
Southwest Oklahoma: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.9% from $116.2M (2025Q4) to $117.3M (2026Q1).
- Net-worth ratio shifted +0.28 pp (18.36% → 18.64%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
18.64% 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
Each segment is a pillar's weighted contribution to the composite; widths sum to 88.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 22.3 pts
- Return on Assets 15.0 pts
- Member Growth 5.6 pts
- Loan-to-Share Ratio 15.1 pts
Southwest Oklahoma vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 18.64% | +6.53 pp |
| Delinquency Rate | 0.77% | -0.12 pp |
| Return on Assets | 1.47% | +0.85 pp |
| Member Growth | -1.89% | - |
| Loan-to-Share Ratio | 78.20% | +6.00 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $117.3M | - |
| 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
Branch Location
Per its most recent NCUA branch filing, Southwest Oklahoma runs one office.
| Office | City |
|---|---|
| Southwest Oklahoma Federal Credit Union (Main Office) | Lawton, OK |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
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.
Nationwide credit unions with similar profiles
Cross-state asset and health neighbours for Southwest Oklahoma - kept outside Oklahoma; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($116.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (88/100 here).
Using this data
- Southwest Oklahoma ranks #1,390 of 4,374 nationally on financial health and #13 of 53 in OK -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- MUSKOGEE is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with MUSKOGEE
- 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 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. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,390 of 4,374; by total assets it ranks #1,707 of 4,374 nationally (same basis as /rankings/largest); and #25 of 53 within Oklahoma. Above 80 reads excellent, below 50 warrants closer monitoring; a 18.64% 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 18.64% 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.
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.