Credit Union Safety Analysis
Is Morning Star Federal Credit Union Safe? Tulsa, Oklahoma
Based on its Q2 2026 NCUA 5300 call report, Morning Star Federal Credit Union has a net worth ratio of 5.78%, below the NCUA level for adequately capitalized, its 60-day delinquency ratio is 0.59%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Morning Star Federal Credit Union's net worth ratio is 5.78%, below the 6% NCUA level for adequately capitalized.
- Net worth ratio (Q2 2026): 5.78%
- Delinquency ratio (60+ days) (Q2 2026): 0.59%
- Return on assets (Q2 2026): 0.48%
- Loan-to-share ratio (Q2 2026): 52.97%
Morning Star Federal Credit Union (NCUA charter 14610, established 1961) reported $1.1M in assets and 402 members for Q2 2026 from Tulsa, Oklahoma. It ranks 51 of 51 credit unions in Oklahoma by total assets. Total assets grew 14.7% from $971K on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 6.13% for Q1 2026; 7.73% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 6.31% for Q1 2026; 5.05% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 0.55% for Q1 2026; 1.77% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 46.58% for Q1 2026; 62.35% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $366K
- New vehicle loans: $117K
- Other secured non-real estate loans and lines of credit: $67K
- Other unsecured loans and lines of credit: $5K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $1.1M | 5.78% | 0.59% | 0.48% | 52.97% |
| March 31, 2026 | $1.1M | 6.13% | 6.31% | 0.55% | 46.58% |
| December 31, 2025 | $1.0M | 6.55% | 7.36% | -2.06% | 46.11% |
| September 30, 2025 | $1.0M | 7.15% | 3.70% | -1.04% | 53.77% |
| June 30, 2025 | $971K | 7.73% | 5.05% | 1.77% | 62.35% |
| March 31, 2025 | $1.0M | 7.03% | 3.71% | 1.47% | 53.02% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Morning Star Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 14610) · FFIEC NIC profile (RSSD 674586)
Frequently asked questions
Is Morning Star Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Morning Star Federal Credit Union's net worth ratio is 5.78%, below the 6% NCUA level for adequately capitalized.
Is Morning Star Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Morning Star Federal Credit Union is a federally insured credit union (NCUA charter 14610): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Morning Star Federal Credit Union's key safety ratios?
For Q2 2026, Morning Star Federal Credit Union reports net worth 5.78%, delinquency 0.59%, ROA 0.48%, loan-to-share 52.97%.
What happens to my money if Morning Star Federal Credit Union fails?
For Q2 2026, Morning Star Federal Credit Union held $1.0M in shares and deposits for 402 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.