Federal credit union · Oklahoma City, Oklahoma · NCUA charter #10283
The Focus
Health score 80/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 80
- Health / 100
- $159.3M
- Total assets
- 12,404
- Members
- 7.7%
- Net-worth ratio
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.
The Focus - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)81
- Asset quality (delinquency)99
- Earnings (ROA)58
- Member growth49
- Liquidity (loan-to-share)100
Weighted composite: 80/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
7.68% 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 | 7.68% | 30% |
| Delinquency Rate | 0.51% | 25% |
| Return on Assets | 0.09% | 15% |
| Member Growth | -0.93% | 15% |
| Loan-to-Share Ratio | 85.09% | 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 | $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
What This Data Says About The Focus
12,404 members and $159.3M in total assets sit behind The Focus, a federal credit union in Oklahoma City, Oklahoma, which posts a health score of 80/100 (Excellent) on the five-factor composite, with $122.6M in outstanding loans as of Q4 2025 and a net worth ratio of 7.68% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #10283 in peer group $100M–$500M, a cohort of 1069 similarly-sized institutions.
0.51% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running tighter than peers. Deposit deployment is captured by the 85.09% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.09% on net income of $151K 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 -0.93%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Community); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
Nearby Credit Unions in Oklahoma
Other federally-insured credit unions in Oklahoma, closest first by peer group and asset size.
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 The Focus financially healthy?
Yes/no aside, the number is 80/100 (Excellent) - The Focus's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 7.68% 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 80/100, 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 7.68% 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.
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.