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
- CHARTER 93/100
- NCUSIF 17.1%
- CAMELS 0.64%
- HEALTH 0.54%
- NW $182.1M
- DELQ 25,642
- ROA #586/4,374
- ASSETS Mid Carolina
- MEM 4202
Call Report peers
Western Sun in the assets neighbourhood
Western Sun's $182.1M assets sit next to Mid Carolina ($182.2M) 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.
Western Sun 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
93 Top 16% higher than 84% 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
Western Sun - Share Insurance Coverage
Charter #4202's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
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%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
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 Western Sun's 5300 filing moved
Western Sun: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.0% from $182.1M (2025Q4) to $185.7M (2026Q1).
- Net-worth ratio shifted -0.35 pp (17.46% → 17.11%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 93.
- 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 |
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).
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
Two NCUA Call Report peer sets for Western Sun, both outside Oklahoma so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($182.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (93/100 here).
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
- 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 Western Sun financially healthy?
Western Sun has a financial health score of 93/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #586 of 4,374; by total assets it ranks #1,349 of 4,374 nationally (same basis as /rankings/largest); and #20 of 53 within Oklahoma. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 17.11% and delinquency rate of 0.64%.
How does Western Sun compare to other credit unions?
Western Sun scores 93/100 on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 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?
Federal credit unions like Western Sun 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. Western Sun's net worth ratio of 17.11% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Western Sun offer compared to banks?
Credit unions like Western Sun 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 Western Sun 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.