Federal credit union · OKLAHOMA CITY, Oklahoma · NCUA charter #2744
U. S. Employees O. C.
Health score 85/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 85
- Health / 100
- $202.8M
- Total assets
- 14,804
- Members
- 16.4%
- Net-worth ratio
U. S. Employees O. C. scores 85/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $202.8M; members 14,804; net-worth ratio 16.42%; health rank #1,913 of 4,374; healthier than 54th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#1,913 of 4,374 health · 2025Q4U. S. Employees O. C. · health 85/100 · $202.8M · 2025Q4
Call Report peers
U. S. Employees O. C. in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
U. S. Employees O. C. vs every NCUA-scored credit union
U. S. Employees O. C. sits in the busiest band, 85-89, alongside 857 other credit unions.
85 Top 46% higher than 54% 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
Peer-gap read for U. S. Employees O. C.
- Net Worth Ratio leads the peer set - 16.42% here, 12.11% peer average (+4.31 pp).
U. S. Employees O. C.: in-state Call Report ranks
- Oklahoma health ordinal: #23 of 53.
- Oklahoma assets place: #16 of 53.
- Oklahoma membership ordinal: #16 of 53.
- One place up in Oklahoma, Department of Public Safety (#22) ties at 85/100; one place down, Credit Union One of Oklahoma (#24) ties at 85/100.
How U. S. Employees O. C.'s 5300 filing moved
U. S. Employees O. C.: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.6% from $202.8M (2025Q4) to $210.2M (2026Q1).
- Net-worth ratio shifted -0.36 pp (16.78% → 16.42%).
This credit union's 16.42% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 85/100 score is built
U. S. Employees O. C. gives up 15 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 15.0 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 16.42% | +4.31 pp |
| Delinquency Rate | 0.26% | -0.64 pp |
| Return on Assets | 0.76% | +0.13 pp |
| Member Growth | -16.29% | - |
| Loan-to-Share Ratio | 76.17% | +3.97 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
U. S. Employees O. C. quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $210.2M | - |
| 2025Q4 | $202.8M | 14,804 |
| 2024Q4 | $208.4M | 17,685 |
| 2023Q4 | $207.5M | 17,717 |
Credit Union Details
- Charter Number
- 2744
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $100M–$500M
- State
- Oklahoma
- City
- OKLAHOMA CITY
- Data Quarter
- 2025Q4
Branch Locations (6)
Per its most recent NCUA branch filing, U. S. Employees O. C. runs 6 offices in 4 different cities across 2 states.
| Office | City |
|---|---|
| MAIN OFFICE (Main Office) | OKLAHOMA CITY, OK |
| Thrive C/O Databank | Dallas, TX |
| BRANCH 1 | Midwest City, OK |
| BRANCH 3 | Moore, OK |
| BRANCH 2 | OKLAHOMA CITY, OK |
| BRANCH 4 | OKLAHOMA CITY, 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.
Cross-state Call Report peers for U. S. Employees O. C.
Similar total assets
Similar health score
Using this data
- U. S. Employees O. C. ranks #1,913 of 4,374 nationally on financial health and #23 of 53 in OK -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- OKLAHOMA is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with OKLAHOMA
Frequently Asked Questions
Is U. S. Employees O. C. financially healthy?
On its 2025Q4 NCUA 5300 filing, U. S. Employees O. C. scores 85/100 (Excellent), with a 16.42% net worth ratio and 0.26% of loans delinquent. It ranks #1,913 of 4,374 nationally on health and #23 of 53 in Oklahoma.
How does U. S. Employees O. C. compare to other credit unions?
U. S. Employees O. C. scores 85/100, higher than 54% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is net worth ratio (16.42% vs 12.11%).
How can I join U. S. Employees O. C.?
U. S. Employees O. C. serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact U. S. Employees O. C. directly for the current list of qualifying groups.
Is my money safe at U. S. Employees O. C.?
U. S. Employees O. C. 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. U. S. Employees O. C.'s net worth ratio of 16.42% 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.