Federal credit union · OKLAHOMA CITY, Oklahoma · NCUA charter #2744
U. S. Employees O. C.
Health score 85/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 85
- Health / 100
- $202.8M
- Total assets
- 14,804
- Members
- 16.8%
- Net-worth ratio
U. S. Employees O. C. - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #2744 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
U. S. Employees O. C. - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth0
- Liquidity (loan-to-share)100
Weighted composite: 85/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 16.78% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 16.78% | 30% |
| Delinquency Rate | 0.26% | 25% |
| Return on Assets | 0.76% | 15% |
| Member Growth | -16.29% | 15% |
| Loan-to-Share Ratio | 76.17% | 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 | $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
What This Data Says About U. S. Employees O. C.
Charter #2744, peer group $100M–$500M, a cohort of 1069 similarly-sized institutions: that's U. S. Employees O. C., a federal credit union in OKLAHOMA CITY, Oklahoma with 14,804 members, $202.8M in total assets, and $129.9M in outstanding loans as of Q4 2025. The five-factor composite scores it 85/100 (Excellent), helped by a net worth ratio of 16.78% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
Deposits deployed into lending sit at a 76.17% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Loan quality, meanwhile, shows 0.26% of the book 60+ days past due - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running tighter than peers. Return on assets stands at 0.76% on net income of $1.5M 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 -16.29%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Multiple Common Bond). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
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.
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 U. S. Employees O. C. financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, U. S. Employees O. C. carries a financial health score of 85/100 (Excellent). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 16.78% net worth ratio and a 0.26% delinquency rate.
How does U. S. Employees O. C. compare to other credit unions?
Five weighted metrics from NCUA filings produce U. S. Employees O. C.'s 85/100 score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 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.?
Federal credit unions like U. S. Employees O. C. 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. U. S. Employees O. C.'s net worth ratio of 16.78% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does U. S. Employees O. C. offer compared to banks?
Credit unions like U. S. Employees O. C. 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 U. S. Employees O. C. 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.