Credit Union Safety Analysis
Is Otoe-Missouria Federal Credit Union Safe? Red Rock, Oklahoma
Based on its Q2 2026 NCUA 5300 call report, Otoe-Missouria Federal Credit Union has a net worth ratio of 9.17%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 4.55%, 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, Otoe-Missouria Federal Credit Union's net worth ratio is 9.17%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 9.17%
- Delinquency ratio (60+ days) (Q2 2026): 4.55%
- Return on assets (Q2 2026): -2.36%
- Loan-to-share ratio (Q2 2026): 62.02%
Otoe-Missouria Federal Credit Union (NCUA charter 24910, established 2019) reported $3.5M in assets and 714 members for Q2 2026 from Red Rock, Oklahoma. It ranks 49 of 51 credit unions in Oklahoma by total assets. Total assets grew 1.6% from $3.4M on June 30, 2025. It has 8 more members than on June 30, 2025 (+1.1%). Its net worth ratio was down 2.55 percentage points from 11.72% on June 30, 2025. Used vehicle loans are its largest loan category, $1.4M of $1.9M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 4.55% is above 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: 9.71% for Q1 2026; 11.72% 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: 3.76% for Q1 2026; 5.75% 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: -5.08% for Q1 2026; 0.10% 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: 64.85% for Q1 2026; 75.00% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $1.4M
- New vehicle loans: $266K
- Other unsecured loans and lines of credit: $231K
- Other secured non-real estate loans and lines of credit: $62K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $3.5M | 9.17% | 4.55% | -2.36% | 62.02% |
| March 31, 2026 | $3.5M | 9.71% | 3.76% | -5.08% | 64.85% |
| December 31, 2025 | $3.5M | 10.94% | 4.10% | -1.98% | 67.98% |
| September 30, 2025 | $3.5M | 11.57% | 4.80% | 0.02% | 73.22% |
| June 30, 2025 | $3.4M | 11.72% | 5.75% | 0.10% | 75.00% |
| March 31, 2025 | $3.5M | 11.32% | 5.49% | -0.01% | 77.67% |
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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.
Otoe-Missouria Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 24910) · FFIEC NIC profile (RSSD 5387274)
Frequently asked questions
Is Otoe-Missouria Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Otoe-Missouria Federal Credit Union's net worth ratio is 9.17%, above the 7% NCUA threshold for well capitalized.
Is Otoe-Missouria Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Otoe-Missouria Federal Credit Union is a federally insured credit union (NCUA charter 24910): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Otoe-Missouria Federal Credit Union's key safety ratios?
For Q2 2026, Otoe-Missouria Federal Credit Union reports net worth 9.17%, delinquency 4.55%, ROA -2.36%, loan-to-share 62.02%.
What happens to my money if Otoe-Missouria Federal Credit Union fails?
For Q2 2026, Otoe-Missouria Federal Credit Union held $3.1M in shares and deposits for 714 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.