State overview · Q4 2025

Oklahoma Credit Unions

All 53 federally-insured credit unions in Oklahoma, ranked by financial health, from NCUA 5300 Call Reports.

53
Credit unions
1.5M
Members
$21.5B
Combined assets
79/100
Avg health
53 CUs · avg health 79/100

Oklahoma has 53 federally insured credit unions averaging 79/100 health on NCUA 5300 Call Report aggregates. Combined assets $21.5B; 32 score Excellent (80+). State leader: OKLAHOMA'S at 100/100.

  • Mean delinquency rank #28 of 52 (lower DQ better)
  • Mean ROA rank #37 of 52
  • Data vintage 2026-09-06

Oklahoma vs all states by credit-union count

Where this state's federally insured CU count sits among every state and D.C. on PlainCU

53 30th of 54 higher than 23 of 54 states

States and D.C., banded by federally insured credit-union count

Each bar is a band; taller bars hold more states. 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 · Q4 2025

Health-score distribution

How Oklahoma's 53 credit unions split across the four health bands. Source: NCUA 5300 Call Report, Q4 2025.

Excellent (80–100)32 CUsGood (60–79)15 CUsFair (40–59)5 CUsWeak (<40)1 CUs

Oklahoma Call Report component averages

Mean NCUA 5300 ratios across 53 federally insured credit unions in Oklahoma, plus national ordinals among 52 jurisdictions with ≥5 scored charters. Registry figures only, not advice on where to bank.

Mean delinquency
1.24%
National rank #28 of 52 · lower DQ better
Mean ROA
0.50%
National rank #37 of 52
Mean loan-to-share
70.1%
Mean net worth 13.4% · well-capitalized (≥7%) 96.2%
Largest CU share of state assets
28.1%
Tilted book, largest charter holds 25–50% of combined Oklahoma CU assets · concentration rank #34 of 52 (lower share = more dispersed) · largest by assets on this board: TINKER

A national sample of U.S. jurisdictions' credit-union sectors, positioned by mean net worth ratio (capital cushion) against mean delinquency rate (asset quality). Oklahoma is highlighted. The crosshair splits states at the MEDIAN net worth ratio (14.0%) and the median delinquency rate (1.20%) computed across all 52 scored jurisdictions, not just the 30 plotted here, and not a simple midpoint of the range.

Oklahoma vs. a national sample of states' credit-union sectors

Mean net worth ratio and mean delinquency rate for federally insured credit unions, a sample of 30 of 52 scored U.S. jurisdictions, Oklahoma highlighted. 2×2 strategic matrix plotting 30 entities by Net worth ratio (X) and Delinquency rate (Y), with a crosshair dividing the plot into four quadrants. Capitalized but RiskyWeakest PositionStrongest PositionLean but Clean 10%12%14%16%18%20% 0%0.5%1%1.5%2%2.5%3% Net worth ratio Delinquency rate Oklahoma vs. a national sample of states' credit-union sectors AL - 16.25%, 1.743%AK - 11.69%, 0.876%AR - 16.34%, 1.809%CO - 11.98%, 1.045%DE - 15.7%, 1.799%DC - 14.99%, 2.364%GA - 15.97%, 1.181%ID - 11.55%, 0.89%IN - 14.73%, 1.306%IA - 15.09%, 1.429%KY - 14.12%, 1.121%ME - 11.58%, 0.818%MA - 14.25%, 0.901%MI - 12.62%, 0.909%MS - 17.86%, 2.688%MT - 12.19%, 0.9%NV - 12.18%, 0.832%NH - 11.15%, 0.746%NM - 14.09%, 1.009%NC - 14.51%, 2.08%OH - 13.65%, 1.573%OR - 13.17%, 1.122%RI - 12.53%, 0.533%SD - 12.58%, 0.791%TX - 15.62%, 1.279%VI - 15.23%, 1.532%VT - 11.83%, 1.399%WA - 12.92%, 0.882%WI - 13.48%, 1.468%OK - 13.44%, 1.238%
Mean net worth ratio and mean delinquency rate for federally insured credit unions, a sample of 30 of 52 scored U.S. jurisdictions, Oklahoma highlighted.

All Credit Unions in Oklahoma

Credit Union Health
OKLAHOMA'S OKLAHOMA CITY 100
Growing Oaks Goldsby 96
WEOKIE Oklahoma City 95
First Family Henryetta 94
OK Bartlesville 94
ARBUCKLE ADA 93
OKUNITY Stillwater 93
Western Sun Broken Arrow 93
TINKER Oklahoma City 91
ENDURANCE Duncan 90
Oklahoma Central Tulsa 90
ALLEGIANCE Oklahoma City 89
OU NORMAN 88
Southwest Oklahoma Lawton 88
VELMA Velma 88
COMMUNICATION OKLAHOMA CITY 87
MUSKOGEE MUSKOGEE 87
Red River Altus 87
Saint Francis Employees Tulsa 87
Cooperative Employees ANADARKO 86
Credit Union One of Oklahoma Oklahoma City 85
Department of Public Safety OKLAHOMA CITY 85
OKLAHOMA OKLAHOMA CITY 85
U. S. Employees O. C. OKLAHOMA CITY 85
Correctional Workers EL RENO 84
Fraternal Order of Police TULSA 84
The Focus Oklahoma City 84
TRUITY Bartlesville 83
Municipal Emps Cu of Oklahoma City OKLAHOMA CITY 82
Oklahoma Educators OKLAHOMA CITY 82
Fire Fighters TULSA 81
INTEGRIS Oklahoma City 81
BISON Shawnee 79
Ok Members First TULSA 79
Comanche County Lawton 78
Mcalester Aap MCALESTER 76
United Members TULSA 76
Dfcu Tulsa TULSA 75
Cherokee Strip Ponca City 74
Red Crown Tulsa 74
OTOE-MISSOURIA Red Rock 73
Energy One Tulsa 72
ENERGIZE OKLAHOMA CITY 69
TTCU Tulsa 68
WESTREET Tulsa 67
Green Country Sand Springs 63
Fort Sill Lawton 61
EMPLOYEES TULSA 57
True Sky Oklahoma City 55
First Oklahoma Glenpool 51
ENCENTUS Tulsa 49
TEACHERS Oklahoma CIty 44
Morning Star TULSA 31

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.

What This Data Says About Credit Unions in Oklahoma

Oklahoma is home to 53 federally-insured credit unions collectively serving 1.5M members with $21.5B in combined assets, based on the most recent NCUA 5300 Call Report (Q4 2025). The state's average health score of 79/100 reflects the blended performance of every charter operating within its borders, state-chartered, federally-chartered, community, employer-based, and multi-SEG credit unions alike. OKLAHOMA'S of OKLAHOMA CITY currently leads the cohort with a health score of 100/100, while the full distribution spans 53 institutions ranked below.

The health distribution breaks into four bands: 32 credit unions score 80–100 (Excellent), 15 score 60–79 (Good), 5 score 40–59 (Fair), and 1 fall below 40 (Weak). These scores are a weighted composite of five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), year-over-year member growth (15%), and loan-to-share ratio (15%). A score in the Excellent band typically indicates a net worth ratio comfortably above the 7.0% NCUA "well capitalized" floor, sub-1% delinquency, positive ROA, and a loan-to-share ratio inside the 60–80% balanced-liquidity window. Fair and Weak institutions are not necessarily in distress, NCUA supervises all federally-insured credit unions through CAMEL ratings and Prompt Corrective Action triggers, but the composite signals where financial buffers are thinner than peers.

Every credit union on this page carries NCUSIF deposit insurance up to $250,000 per depositor per ownership category, administered by the National Credit Union Administration, identical coverage to FDIC insurance at banks. Membership eligibility varies by charter: community charters serve anyone living, working, worshiping, or attending school in a defined geography, while employer-based and associational charters require a specific common bond. Rates, fees, and product offerings also vary widely across Oklahoma's 53 institutions, so prospective members should verify current terms directly with each credit union before opening accounts or applying for loans. This page is informational only, reflects quarterly reported NCUA data (not real-time financials), and is not financial advice or a solicitation to join any specific institution.

Nationwide states with similar credit-union assets or inventory

Two NCUA Call Report peer sets for Oklahoma: nearest jurisdictions by combined federally-insured credit-union assets and by credit-union count. These are cross-state neighborhoods, not the in-state CU list above.

Similar combined assets

Nearest states by total credit-union assets ($21.5B here).

New Mexico $20.4B South Carolina $24.1B Missouri $18.9B Idaho $25.2B

Similar credit-union inventory

Nearest states by federally-insured credit-union count (53 here).

Utah 53 CUs Kentucky 54 CUs Mississippi 55 CUs Nebraska 50 CUs

Frequently Asked Questions

How many credit unions are in Oklahoma?

There are 53 federally-insured credit unions in Oklahoma as of Q4 2025, with a combined 1.5M members and $21.5B in total assets. That places Oklahoma at #27 of 54 among U.S. jurisdictions by combined credit-union assets. On average health score, Oklahoma ranks #44 of 54. All data is sourced from the NCUA 5300 Call Report.

What is the healthiest credit union in Oklahoma?

Based on NCUA Q4 2025 data, OKLAHOMA'S in OKLAHOMA CITY ranks highest in Oklahoma with a health score of 100/100. Health scores combine net worth ratio, delinquency rate, return on assets, member growth, and loan-to-share ratio.

Are credit unions safer than banks?

Credit unions are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per account, the same insurance limit as FDIC-insured banks. Credit unions are member-owned nonprofits, which means profits are returned to members as lower fees and better rates rather than to shareholders. Both institution types offer equivalent deposit protection.

Using Oklahoma's data

  • OKLAHOMA'S in OKLAHOMA CITY is the healthiest scored credit union in Oklahoma at 100/100 -- look up its full composite before assuming it fits your situation. View full profile
  • Oklahoma's credit unions rank #28 of 52 nationally on delinquency rate (mid-pack) and #37 of 52 on return on assets (among the weakest) -- both factor into the health score above, but they can move independently. National health rankings
  • Oklahoma ranks #44 of 54 by average health score and #27 of 54 by combined credit-union assets among U.S. states -- see how other states compare before assuming this one is typical. State overviews

Figures are composite scores and averages built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.

Read our methodology - how this data is sourced, computed, and verified.