Federal credit union · Broken Arrow, Oklahoma · NCUA charter #4202
Western Sun
Health score 93/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 93
- Health / 100
- $182.1M
- Total assets
- 25,642
- Members
- 17.1%
- Net-worth ratio
Western Sun scores 93/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $182.1M; members 25,642; net-worth ratio 17.11%; health rank #586 of 4,374; healthier than 84th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#586 of 4,374 health · 2025Q4Western Sun · health 93/100 · $182.1M · 2025Q4
Call Report peers
Western Sun in the assets neighbourhood
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Western Sun vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Western Sun sits in 90-94 with 747 others.
93 Top 16% higher than 84% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Western Sun: Call Report deltas vs peers
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +23.07 pp (95.27% vs 72.20%).
- Widest shortfall vs peers is Return on Assets: -0.08 pp (0.54% vs 0.62%).
Western Sun: in-state Call Report ranks
- Health composite ranks #6 of 53 among scored Oklahoma credit unions.
- Assets rank #20 of 53 inside Oklahoma ($182.1M reported).
- Membership ranks #10 of 53 among Oklahoma CUs with a reported count (25,642 members).
- One place up in Oklahoma, First Family (#5) scores 94/100, 1 point higher; one place down, OKUNITY (#7) ties at 93/100.
How Western Sun's 5300 filing moved
Western Sun: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.0% from $182.1M (2025Q4) to $185.7M (2026Q1).
- Net-worth ratio shifted -0.35 pp (17.46% → 17.11%).
At 17.11%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 93/100 score is built
Western Sun gives up 7 points in total. Member Growth costs the most, 3.4 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 23.6 pts
- Return on Assets 15.0 pts
- Member Growth 11.6 pts
- Loan-to-Share Ratio 12.8 pts
Western Sun vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 17.11% | +5.00 pp |
| Delinquency Rate | 0.64% | -0.25 pp |
| Return on Assets | 0.54% | -0.08 pp |
| Member Growth | 2.16% | - |
| Loan-to-Share Ratio | 95.27% | +23.07 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Western Sun filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $185.7M | - |
| 2025Q4 | $182.1M | 25,642 |
| 2024Q4 | $189.8M | 25,101 |
| 2023Q4 | $185.2M | 24,935 |
Credit Union Details
- Charter Number
- 4202
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Oklahoma
- City
- Broken Arrow
- Data Quarter
- 2025Q4
Branch Locations (7)
Per its most recent NCUA branch filing, Western Sun runs 7 offices in 5 different cities.
| Office | City |
|---|---|
| Admin Office (Main Office) | Tulsa, OK |
| Bixby | Bixby, OK |
| Broken Arrow Branch | Broken Arrow, OK |
| Okmulgee Branch | Okmulgee, OK |
| Owasso Oklahoma | Owasso, OK |
| Downtown Branch | Tulsa, OK |
| West Side Branch | Tulsa, OK |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Oklahoma
More federally-insured credit unions based in Oklahoma, ordered by peer group match and asset size.
Other-state peers near Western Sun
Using this data
- Western Sun ranks #586 of 4,374 nationally on financial health and #6 of 53 in OK -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Municipal Emps Cu of Oklahoma City is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Municipal Emps Cu of Oklahoma City
Frequently Asked Questions
Is Western Sun financially healthy?
Western Sun has a financial health score of 93/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #586 of 4,374 nationally on health and #6 of 53 in Oklahoma. Its net worth ratio is 17.11% and its delinquency rate 0.64%.
How does Western Sun compare to other credit unions?
Western Sun scores 93/100, higher than 84% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (95.27% vs 72.20%). Its widest shortfall is return on assets (0.54% vs 0.62%).
How can I join Western Sun?
Western Sun 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 Western Sun directly for the exact boundaries and application steps.
Is my money safe at Western Sun?
Western Sun 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. Western Sun's net worth ratio of 17.11% 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.