Morning Star Federal Credit Union Tulsa, Oklahoma
Morning Star Federal Credit Union is a federal credit union headquartered in Tulsa, OK, established in 1961 (NCUA charter 14610), and it is regulated and insured by the NCUA. At Q2 2026 it reported 402 members and total assets of $1.1M (up 14.7% from Q2 2025), the 51st largest of 51 credit unions headquartered in Oklahoma. Its net worth ratio was 5.78% at Q2 2026, in the undercapitalized band.
Also written as Morning Star FCU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 14610
- Headquarters
- Tulsa, OK
- Established
- 1961
- Total assets, Q2 2026
- $1.1M
- Assets vs Q2 2025
- +14.7%
- Members, Q2 2026
- 402
- Net worth ratio, Q2 2026
- 5.78%
- Latest call report
- Q2 2026, NCUA 5300 · Morning Star Federal Credit Union call report
- Asset rank in state
- 51st of 51 in Oklahoma
- Routing number
- 303986070
- Branches
- 2
It had the same number of members on June 30, 2025. Its net worth ratio was down 1.95 percentage points from 7.73% on June 30, 2025. Used vehicle loans are its largest loan category, $366K of $556K in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.59% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 5.78% net worth ratio is below that band's 14.31% median.
Credit unions similar in size in Oklahoma
Frequently asked about Morning Star Federal Credit Union
How big is Morning Star Federal Credit Union?
At Q2 2026 it reported total assets of $1.1M and 402 members.
Where is Morning Star Federal Credit Union headquartered?
It is headquartered in Tulsa, OK, United States.
When was Morning Star Federal Credit Union founded?
It was established in 1961, per NCUA records.
Is Morning Star Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 14610): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Morning Star Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Morning Star Federal Credit Union well capitalized?
Its net worth ratio was 5.78% at Q2 2026, in the undercapitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Morning Star Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.59% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Morning Star Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 52.97% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Tulsa, OK 74106
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1961
- NCUA Charter #
- 14610
- RSSD ID
- 674586
- Members
- 402
- Potential members
- 412
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 1 of 6 ranked measures and in the bottom quartile on 1.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 5.78% | 14.31% | under 10th bottom |
| Return on assets Middle half of peers: 0.16% to 1.30% | 0.48% | 0.72% | 39th below |
| Return on equity Middle half of peers: 1.04% to 8.69% | 8.29% | 4.74% | 72nd above |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 5.48% | 3.93% | over 90th top |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | not on file | 79.83% | not on file |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.76% | 0.78% | 51st above |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 0.59% | 0.86% | 64th above |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 6.24% | 4.70% | over 90th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 52.97% | 58.92% | 41st position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$1.1M total assets against $971K; $1.0M total shares and deposits against $896K; $556K total loans against $558K.
$64K net worth against $75K.
5.78% net worth ratio against 7.73%.
52.97% loan-to-share ratio against 62.35%.
0.59% delinquency ratio against 5.05%.
0.48% return on assets against 1.77%; 8.29% return on equity against 22.93%.
5.48% net interest margin against 3.76%.
402 members against 402.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 5.78% | 0.48% | 0.59% | 52.97% |
| March 31, 2026 | 6.13% | 0.55% | 6.31% | 46.58% |
| December 31, 2025 | 6.55% | -2.06% | 7.36% | 46.11% |
| September 30, 2025 | 7.15% | -1.04% | 3.70% | 53.77% |
| June 30, 2025 | 7.73% | 1.77% | 5.05% | 62.35% |
| March 31, 2025 | 7.03% | 1.47% | 3.71% | 53.02% |
Scroll sideways to see every column.
Watch flags
The net worth ratio is below the 6% NCUA adequately-capitalized threshold, placing the credit union in the undercapitalized Prompt Corrective Action category, which triggers mandatory earnings-retention and supervisory restrictions. NCUA Prompt Corrective Action, 12 CFR 702.102.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.