Credit Union Safety Analysis
Is Municipal Employees Credit Union of Oklahoma City Safe? Oklahoma City, Oklahoma
Based on its Q2 2026 NCUA 5300 call report, Municipal Employees Credit Union of Oklahoma City has a net worth ratio of 8.79%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.17%, 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, Municipal Employees Credit Union of Oklahoma City's net worth ratio is 8.79%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 8.79%
- Delinquency ratio (60+ days) (Q2 2026): 0.17%
- Return on assets (Q2 2026): 0.55%
- Loan-to-share ratio (Q2 2026): 85.86%
Municipal Employees Credit Union of Oklahoma City (NCUA charter 65503, established 1934) reported $190.5M in assets and 9,442 members for Q2 2026 from Oklahoma City, Oklahoma. It ranks 18 of 51 credit unions in Oklahoma by total assets. Total assets grew 14.1% from $166.9M on June 30, 2025. It has 410 fewer members than on June 30, 2025 (-4.2%). Its net worth ratio was down 0.84 percentage points from 9.63% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $66.3M of $147.9M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.17% is below the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 8.69% for Q1 2026; 9.63% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 0.12% for Q1 2026; 0.02% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 0.07% for Q1 2026; 0.28% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 79.74% for Q1 2026; 89.51% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $66.3M
- Used vehicle loans: $43.0M
- New vehicle loans: $27.9M
- Unsecured credit card loans: $5.3M
- Other secured non-real estate loans and lines of credit: $3.2M
- Other unsecured loans and lines of credit: $2.1M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $190.5M | 8.79% | 0.17% | 0.55% | 85.86% |
| March 31, 2026 | $191.4M | 8.69% | 0.12% | 0.07% | 79.74% |
| December 31, 2025 | $188.8M | 8.72% | 0.09% | 0.49% | 78.21% |
| September 30, 2025 | $178.3M | 9.11% | 0.08% | 0.41% | 83.41% |
| June 30, 2025 | $166.9M | 9.63% | 0.02% | 0.28% | 89.51% |
| March 31, 2025 | $166.1M | 9.61% | 0.11% | 0.32% | 85.75% |
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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.
Municipal Employees Credit Union of Oklahoma City profile
Regulator records: NCUA credit union profile (charter 65503) · FFIEC NIC profile (RSSD 759894)
Frequently asked questions
Is Municipal Employees Credit Union of Oklahoma City well capitalized?
On its Q2 2026 NCUA 5300 call report, Municipal Employees Credit Union of Oklahoma City's net worth ratio is 8.79%, above the 7% NCUA threshold for well capitalized.
Is Municipal Employees Credit Union of Oklahoma City FDIC insured?
No. The FDIC insures banks, not credit unions. Municipal Employees Credit Union of Oklahoma City is a federally insured credit union (NCUA charter 65503): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Municipal Employees Credit Union of Oklahoma City's key safety ratios?
For Q2 2026, Municipal Employees Credit Union of Oklahoma City reports net worth 8.79%, delinquency 0.17%, ROA 0.55%, loan-to-share 85.86%.
What happens to my money if Municipal Employees Credit Union of Oklahoma City fails?
For Q2 2026, Municipal Employees Credit Union of Oklahoma City held $172.3M in shares and deposits for 9,442 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.