Headquartered in McAlester, Oklahoma, McAlester Aap Federal Credit Union is a federal credit union with $12.4M in total assets and $7.6M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1947.
Based on its Q2 2026 filing, McAlester Aap Federal Credit Union scores 69/100, which we describe as moderate. That is higher than only 38% of 2,479 credit unions with under $100 million in assets. Among 52 credit unions headquartered in Oklahoma, it ranks 32nd. Its strongest component is capital cushion (100/100; 38.37%), and its lowest is loan quality (0/100; 4.84%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 2 points (67 → 69), mostly because the earnings component improved by 23 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 86 |
| Q3 2024 | 84 |
| Q4 2024 | 76 |
| Q1 2025 | 67 |
| Q2 2025 | 67 |
| Q3 2025 | 54 |
| Q4 2025 | 70 |
| Q1 2026 | 71 |
| Q2 2026 | 69 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 33.85% |
| Q3 2024 | 35.69% |
| Q4 2024 | 34.00% |
| Q1 2025 | 36.11% |
| Q2 2025 | 36.23% |
| Q3 2025 | 36.98% |
| Q4 2025 | 36.23% |
| Q1 2026 | 37.80% |
| Q2 2026 | 38.37% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.68% |
| Q3 2024 | 1.34% |
| Q4 2024 | 2.32% |
| Q1 2025 | 2.34% |
| Q2 2025 | 2.56% |
| Q3 2025 | 2.79% |
| Q4 2025 | 2.56% |
| Q1 2026 | 4.30% |
| Q2 2026 | 4.84% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.35% |
| Q3 2024 | 3.02% |
| Q4 2024 | 1.97% |
| Q1 2025 | 0.81% |
| Q2 2025 | 1.04% |
| Q3 2025 | -0.32% |
| Q4 2025 | 1.38% |
| Q1 2026 | 1.94% |
| Q2 2026 | 1.62% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 69 | $12.4M | 38.37% | 4.84% | 1.62% | 73.1% |
| Q1 2026 | 71 | $12.5M | 37.80% | 4.30% | 1.94% | 76.2% |
| Q4 2025 | 70 | $12.4M | 36.23% | 2.56% | 1.38% | 80.5% |
| Q3 2025 | 54 | $12.4M | 36.98% | 2.79% | -0.32% | 82.2% |
| Q2 2025 | 67 | $12.6M | 36.23% | 2.56% | 1.04% | 83.0% |
| Q1 2025 | 67 | $12.5M | 36.11% | 2.34% | 0.81% | 84.0% |
| Q4 2024 | 76 | $12.5M | 34.00% | 2.32% | 1.97% | 86.5% |
| Q3 2024 | 84 | $12.4M | 35.69% | 1.34% | 3.02% | 88.8% |
| Q2 2024 | 86 | $12.8M | 33.85% | 0.68% | 1.35% | 81.8% |
2,479 peers · Under $100 million in assets
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in Oklahoma
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Correctional Workers Federal Credit UnionCredit union El Reno, OK | 88 out of 100, Very strong | $10.5M | 17.9% | 0.19% | vs |
| United Members Federal Credit UnionCredit union Tulsa, OK | 87 out of 100, Very strong | $10.4M | 18.6% | 0.15% | vs |
| Integris Federal Credit UnionCredit union Oklahoma City, OK | 73 out of 100, Strong | $14.4M | 11.5% | 0.00% | vs |
| Arbuckle Federal Credit UnionCredit union Ada, OK | 60 out of 100, Moderate | $10.3M | 8.4% | 0.38% | vs |
| Cooperative EmployeesCredit union Anadarko, OK | 73 out of 100, Strong | $10.0M | 10.4% | 0.00% | vs |
| Teachers Credit UnionCredit union Oklahoma CIty, OK | 76 out of 100, Strong | $6.3M | 31.5% | 0.34% | vs |
Deposit insurance
Is my money safe at McAlester Aap Federal Credit Union?
Yes. McAlester Aap Federal Credit Union is a federally insured credit union (NCUA charter #5531). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 1.7% of shares and deposits ($126K) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 38.37%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
McAlester Aap Federal Credit Union lists 1 office in 1 city. Most locations:
- McAlester, OK (1)
Identity & history
Profile
- Legal name
- McAlester Aap Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 5531
- RSSD ID
- 933274
- Primary regulator
- NCUA
- Established
- 1947
- Headquarters
- 1 C Tree Road, Bldg 3, McAlester, OK 74501
- Employees
- 4
Quick answers
McAlester Aap Federal Credit Union: common questions
Is McAlester Aap Federal Credit Union NCUA insured?
Yes. McAlester Aap Federal Credit Union is a federally insured credit union (NCUA charter #5531). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is McAlester Aap Federal Credit Union's TellerScore?
69 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does McAlester Aap Federal Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near McAlester
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First National Bank & Trust Company of McAlesterBank Mcalester, OK | 71 out of 100, Strong | $580.4M | 10.9% | 1.34% | vs |
| BancFirstBank Oklahoma City, OK | 71 out of 100, Strong | $12.8B | 10.6% | 1.19% | vs |
| FirstBankBank Antlers, OK | 69 out of 100, Moderate | $684.3M | 10.8% | 0.82% | vs |
| The Bank, National AssociationBank Mcalester, OK | 68 out of 100, Moderate | $488.1M | 10.9% | 1.30% | vs |
| BOKF, National AssociationBank Tulsa, OK | 64 out of 100, Moderate | $53.0B | 9.3% | 0.54% | vs |
| Arvest BankBank Fayetteville, AR | 57 out of 100, Moderate | $28.1B | 9.1% | 0.86% | vs |