TellerScore

Morning Star Federal Credit Union (NCUA charter #14610) is based in Tulsa, Oklahoma. Its Q2 2026 call report shows $1.1M in total assets and $1.0M in member shares and deposits.

Based on its Q2 2026 filing, Morning Star Federal Credit Union scores 55/100, which we describe as moderate. That is higher than only 15% of 2,479 credit unions with under $100 million in assets. Among 52 credit unions headquartered in Oklahoma, it ranks 47th. Its strongest component is funding & liquidity (100/100; 53% loans-to-deposits, 0% uninsured), and its lowest is capital cushion (8/100; 5.78%).

TellerScore · Q2 2026

Scorecard

Capital cushion8/100
Net worth ratio: 5.78%
Loan quality80/100
Loans 60+ days delinquent ÷ total loans: 0.59%
Earnings41/100
Return on assets (annualized): 0.52%
Funding & liquidity100/100
Loans ÷ shares: 53.0% · 0.0% uninsured
Problem-loan coverage91/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 4.49%

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 12 points (43 → 55), mostly because the loan quality component improved by 80 points.

TellerScore
244463Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202446
Q3 202463
Q4 202435
Q1 202542
Q2 202543
Q3 202536
Q4 202524
Q1 202628
Q2 202655
Net worth ratio
5.78%6.76%7.73%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20247.38%
Q3 20247.49%
Q4 20246.81%
Q1 20257.03%
Q2 20257.73%
Q3 20257.15%
Q4 20256.55%
Q1 20266.13%
Q2 20265.78%
Delinquent loans (60+ days)
0.53%3.94%7.36%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.93%
Q3 20240.53%
Q4 20242.54%
Q1 20253.71%
Q2 20255.05%
Q3 20253.70%
Q4 20257.36%
Q1 20266.31%
Q2 20260.59%
Return on assets
0.01%0.83%1.65%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.33%
Q3 20240.78%
Q4 20240.01%
Q1 20251.47%
Q2 20251.65%
Q3 20250.71%
Q4 20250.01%
Q1 20260.55%
Q2 20260.52%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202655$1.1M5.78%0.59%0.52%53.0%
Q1 202628$1.1M6.13%6.31%0.55%46.6%
Q4 202524$1.0M6.55%7.36%0.01%46.1%
Q3 202536$1.0M7.15%3.70%0.71%53.8%
Q2 202543$971K7.73%5.05%1.65%62.4%
Q1 202542$1.0M7.03%3.71%1.47%53.0%
Q4 202435$983K6.81%2.54%0.01%49.5%
Q3 202463$969K7.49%0.53%0.78%51.1%
Q2 202446$927K7.38%1.93%0.33%51.0%

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).

Capital ratio5.78%
1st
Problem loans0.59%
55th
Net charge-offs0.00%
77th
Return on assets0.52%
43rd
Loans to deposits53.0%
59th
Uninsured deposits0.0%
81st
Loan-loss reserves1.46%
87th
Texas ratio4.5%
32nd

Similar-size credit unions in Oklahoma

InstitutionScoreAssetsCapitalProblem loansCompare
Velma Federal Credit UnionCredit union Velma, OK79 out of 100, Strong$3.1M15.2%1.55%vs
Otoe-Missouria Federal Credit UnionCredit union Red Rock, OK26 out of 100, Low$3.5M9.2%4.55%vs
Growing Oaks Federal Credit UnionCredit union Goldsby, OK55 out of 100, Moderate$4.1M9.5%0.80%vs
Teachers Credit UnionCredit union Oklahoma CIty, OK76 out of 100, Strong$6.3M31.5%0.34%vs
Cooperative EmployeesCredit union Anadarko, OK73 out of 100, Strong$10.0M10.4%0.00%vs
Arbuckle Federal Credit UnionCredit union Ada, OK60 out of 100, Moderate$10.3M8.4%0.38%vs

Deposit insurance

Is my money safe at Morning Star Federal Credit Union?

Yes. Morning Star Federal Credit Union is a federally insured credit union (NCUA charter #14610). 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 0.0% of shares and deposits ($0) 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 5.78%, below the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

Identity & history

Profile

Legal name
Morning Star Federal Credit Union
Type
Federal credit union
NCUA charter #
14610
RSSD ID
674586
Primary regulator
NCUA
Established
1961
Headquarters
1014 E Pine St, Tulsa, OK 74106
Employees
2

Quick answers

Morning Star Federal Credit Union: common questions

Is Morning Star Federal Credit Union NCUA insured?

Yes. Morning Star Federal Credit Union is a federally insured credit union (NCUA charter #14610). 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 Morning Star Federal Credit Union's TellerScore?

55 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.