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
- NW 85/100
- DELQ 16.4%
- ROA 0.26%
- ASSETS 0.76%
- MEM $202.8M
- RANK 14,804
- PHOTO #1,913/4,374
- BOOK Fire Police City County
- CHARTER 2744
Call Report peers
U. S. Employees O. C. in the assets neighbourhood
U. S. Employees O. C.'s $202.8M assets sit next to Fire Police City County ($203.1M) 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.
U. S. Employees O. C. 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
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
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.
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).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for OK only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How U. S. Employees O. C.'s 5300 filing moved
U. S. Employees O. C.: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.6% from $202.8M (2025Q4) to $210.2M (2026Q1).
- Net-worth ratio shifted -0.36 pp (16.78% → 16.42%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 85.
- 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 |
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).
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.
Cross-state asset and health neighbours for U. S. Employees O. C. - kept outside Oklahoma; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($202.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (85/100 here).
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
- 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 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 the national health ranking (same basis as /rankings/healthiest), it sits at #1,913 of 4,374; by total assets it ranks #1,266 of 4,374 nationally (same basis as /rankings/largest); and #16 of 53 within Oklahoma. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 16.42% 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 16.42% 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.
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.