Federal credit union · Oklahoma City, Oklahoma · NCUA charter #10283
The Focus
Health score 84/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $159.3M
- Total assets
- 12,404
- Members
- 9.0%
- Net-worth ratio
The Focus scores 84/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $159.3M; members 12,404; net-worth ratio 9.03%; health rank #2,179 of 4,374; healthier than 50th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#2,179 of 4,374 health · 2025Q4The Focus · health 84/100 · $159.3M · 2025Q4
- DELQ 84/100
- ROA 9.0%
- ASSETS 0.51%
- MEM 0.09%
- RANK $159.3M
- PHOTO 12,404
- BOOK #2,179/4,374
- CHARTER Inner Lakes
- NCUSIF 10283
Call Report peers
The Focus in the assets neighbourhood
The Focus's $159.3M assets sit next to Inner Lakes ($159.3M) 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.
The Focus 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
84 Top 50% higher than 50% 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
The Focus - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #10283. See our deposit-insurance coverage note.
Peer-gap read for The Focus
- Largest favorable gap: Loan-to-Share Ratio at 85.09% vs peer 72.20% (+12.89 pp).
- Largest lag: Net Worth Ratio at 9.03% vs peer 12.11% (-3.08 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where The Focus sits in Oklahoma
- Oklahoma health ordinal: #27 of 53.
- Oklahoma assets place: #21 of 53.
- Member book place in Oklahoma: #20 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.
The Focus Call Report trajectory
The Focus: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.8% from $159.3M (2025Q4) to $162.1M (2026Q1).
- Net-worth ratio shifted -0.15 pp (9.18% → 9.03%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
9.03% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 84/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 84.
- Net Worth Ratio 27.6 pts
- Delinquency Rate 24.9 pts
- Return on Assets 8.8 pts
- Member Growth 7.3 pts
- Loan-to-Share Ratio 15.4 pts
The Focus vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.03% | -3.08 pp |
| Delinquency Rate | 0.51% | -0.38 pp |
| Return on Assets | 0.09% | -0.53 pp |
| Member Growth | -0.93% | - |
| Loan-to-Share Ratio | 85.09% | +12.89 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).
Call Report history - The Focus
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $162.1M | - |
| 2025Q4 | $159.3M | 12,404 |
| 2024Q4 | $169.9M | 12,520 |
| 2023Q4 | $159.5M | 11,861 |
Credit Union Details
- Charter Number
- 10283
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Oklahoma
- City
- Oklahoma City
- Data Quarter
- 2025Q4
Branch Locations (5)
The Focus operates 5 offices across 3 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Branch (Main Office) | Oklahoma City, OK |
| Chickasha Branch | Chickasha, OK |
| Tri City Branch | Newcastle, OK |
| Northwest Branch | Oklahoma City, OK |
| Midtown Branch | Oklahoma City, OK |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Oklahoma
Other federally-insured credit unions in Oklahoma, closest first by peer group and asset size.
Other-state peers near The Focus
Two NCUA Call Report peer sets for The Focus, 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 ($159.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (84/100 here).
Using this data
- The Focus ranks #2,179 of 4,374 nationally on financial health and #27 of 53 in OK -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Red River is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Red River
- 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 The Focus financially healthy?
Yes/no aside, the number is 84/100 (Excellent) - The Focus'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 #2,179 of 4,374; by total assets it ranks #1,452 of 4,374 nationally (same basis as /rankings/largest); and #21 of 53 within Oklahoma. Above 80 reads excellent, below 50 warrants closer monitoring; a 9.03% net worth ratio and 0.51% delinquency rate are the key drivers.
How does The Focus compare to other credit unions?
On PlainCU's health composite, The Focus lands at 84/100, 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 The Focus?
The Focus 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 The Focus directly for the exact boundaries and application steps.
Is my money safe at The Focus?
Federal credit unions like The Focus 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. The Focus's net worth ratio of 9.03% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does The Focus offer compared to banks?
Credit unions like The Focus 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 The Focus 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.