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
Call Report peers
Southwest Oklahoma in the assets neighbourhood
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
Southwest Oklahoma 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
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%).
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.
- One place up in Oklahoma, ALLEGIANCE (#12) scores 89/100, 1 point higher; one place down, VELMA (#14) ties at 88/100.
How Southwest Oklahoma's 5300 filing moved
Southwest Oklahoma: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.9% from $116.2M (2025Q4) to $117.3M (2026Q1).
- Net-worth ratio shifted +0.28 pp (18.36% → 18.64%).
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
Southwest Oklahoma gives up 12 points in total. Member Growth costs the most, 9.4 of its 15; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Southwest Oklahoma financially healthy?
On its 2025Q4 NCUA 5300 filing, Southwest Oklahoma scores 88/100 (Excellent), with a 18.64% net worth ratio and 0.77% of loans delinquent. It ranks #1,390 of 4,374 nationally on health and #13 of 53 in Oklahoma.
How does Southwest Oklahoma compare to other credit unions?
Southwest Oklahoma scores 88/100, higher than 65% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is net worth ratio (18.64% vs 12.11%).
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?
Southwest Oklahoma 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. Southwest Oklahoma's net worth ratio of 18.64% 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.