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.
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NCUA 5300 Call Report Masthead
#2,179 of 4,374 health · 2025Q4The Focus · health 84/100 · $159.3M · 2025Q4
Call Report peers
The Focus in the assets neighbourhood
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The Focus vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); The Focus sits in 80-84 with 767 others.
84 Top 50% higher than 50% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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.
- One place up in Oklahoma, Fraternal Order of Police (#26) ties at 84/100; one place down, TRUITY (#28) scores 83/100, 1 point lower.
The Focus Call Report trajectory
The Focus: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.8% from $159.3M (2025Q4) to $162.1M (2026Q1).
- Net-worth ratio shifted -0.15 pp (9.18% → 9.03%).
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
The Focus gives up 16 points in total. Member Growth costs the most, 7.7 of its 15; Loan-to-Share Ratio scores full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is The Focus financially healthy?
On its 2025Q4 NCUA 5300 filing, The Focus scores 84/100 (Excellent), with a 9.03% net worth ratio and 0.51% of loans delinquent. It ranks #2,179 of 4,374 nationally on health and #27 of 53 in Oklahoma.
How does The Focus compare to other credit unions?
The Focus scores 84/100, higher than 50% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (85.09% vs 72.20%). Its widest shortfall is net worth ratio (9.03% vs 12.11%).
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?
The Focus 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. The Focus's net worth ratio of 9.03% 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.