TellerScore

Municipal Emps CU of Oklahoma City Credit Union (NCUA charter #65503) is based in Oklahoma City, Oklahoma. Its Q2 2026 call report shows $190.5M in total assets and $172.3M in member shares and deposits and 5 offices.

Municipal Emps CU of Oklahoma City Credit Union has a TellerScore of 62 out of 100 (moderate) based on Q2 2026 data — higher than only 26% of its 1,341 credit unions with $100 million – $1 billion. Among 52 credit unions headquartered in Oklahoma, it ranks 40th. Problem-loan coverage contributes the most (97/100, 1.5%); earnings contributes the least (32/100, 0.31%).

TellerScore · Q2 2026

Scorecard

Capital cushion38/100
Net worth ratio: 8.79%
Loan quality94/100
Loans 60+ days delinquent ÷ total loans: 0.17%
Earnings32/100
Return on assets (annualized): 0.31%
Funding & liquidity74/100
Loans ÷ shares: 85.9% · 14.9% uninsured
Problem-loan coverage97/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.51%

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 fell 4 points (66 → 62), mostly because the capital cushion component weakened by 8 points.

TellerScore
626466Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202466
Q3 202465
Q4 202465
Q1 202565
Q2 202566
Q3 202565
Q4 202564
Q1 202662
Q2 202662
Net worth ratio
7.00%8.41%9.82%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.49%
Q3 20249.82%
Q4 20249.59%
Q1 20259.61%
Q2 20259.63%
Q3 20259.11%
Q4 20258.72%
Q1 20268.69%
Q2 20268.79%
Delinquent loans (60+ days)
0.00%0.09%0.17%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.00%
Q3 20240.13%
Q4 20240.05%
Q1 20250.11%
Q2 20250.02%
Q3 20250.08%
Q4 20250.09%
Q1 20260.12%
Q2 20260.17%
Return on assets
0.07%0.21%0.35%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.20%
Q3 20240.22%
Q4 20240.18%
Q1 20250.32%
Q2 20250.30%
Q3 20250.32%
Q4 20250.35%
Q1 20260.07%
Q2 20260.31%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202662$190.5M8.79%0.17%0.31%85.9%
Q1 202662$191.4M8.69%0.12%0.07%79.7%
Q4 202564$188.8M8.72%0.09%0.35%78.2%
Q3 202565$178.3M9.11%0.08%0.32%83.4%
Q2 202566$166.9M9.63%0.02%0.30%89.5%
Q1 202565$166.1M9.61%0.11%0.32%85.7%
Q4 202465$165.1M9.59%0.05%0.18%86.2%
Q3 202465$160.9M9.82%0.13%0.22%88.3%
Q2 202466$165.5M9.49%0.00%0.20%84.2%

1,341 peers · $100 million – $1 billion

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 ratio8.79%
11th
Problem loans0.17%
91st
Net charge-offs0.04%
93rd
Return on assets0.31%
18th
Loans to deposits85.9%
26th
Uninsured deposits14.9%
6th
Loan-loss reserves0.00%
50th
Texas ratio1.5%
81st

Similar-size credit unions in Oklahoma

InstitutionScoreAssetsCapitalProblem loansCompare
Endurance Federal Credit UnionCredit union Duncan, OK83 out of 100, Strong$196.5M13.7%0.21%vs
Oklahoma Federal Credit UnionCredit union Oklahoma City, OK91 out of 100, Very strong$198.9M20.2%0.24%vs
Western Sun Federal Credit UnionCredit union Broken Arrow, OK73 out of 100, Strong$181.5M17.6%0.71%vs
Red River Federal Credit UnionCredit union Altus, OK79 out of 100, Strong$168.4M12.1%0.28%vs
U. S. Employees O. C. Federal Credit UnionCredit union Oklahoma City, OK85 out of 100, Very strong$213.5M16.3%0.20%vs
Okunity Federal Credit UnionCredit union Stillwater, OK72 out of 100, Strong$214.7M12.3%0.48%vs

Deposit insurance

Is my money safe at Municipal Emps CU of Oklahoma City Credit Union?

Yes. Municipal Emps CU of Oklahoma City Credit Union is a federally insured credit union (NCUA charter #65503). 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 14.9% of shares and deposits ($25.7M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 8.79%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

5 locations

Branches

Municipal Emps CU of Oklahoma City Credit Union lists 5 offices in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Municipal Emps CU of Oklahoma City Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
65503
RSSD ID
759894
Primary regulator
State + NCUA
Established
1934
Headquarters
101 N Walker, Oklahoma City, OK 73102
Employees
41

Quick answers

Municipal Emps CU of Oklahoma City Credit Union: common questions

Is Municipal Emps CU of Oklahoma City Credit Union NCUA insured?

Yes. Municipal Emps CU of Oklahoma City Credit Union is a federally insured credit union (NCUA charter #65503). 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 Municipal Emps CU of Oklahoma City Credit Union's TellerScore?

62 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 Municipal Emps CU of Oklahoma City Credit Union have?

5 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Oklahoma City

InstitutionScoreAssetsCapitalProblem loansCompare
Oklahoma Federal Credit UnionCredit union Oklahoma City, OK91 out of 100, Very strong$198.9M20.2%0.24%vs
International Bank of CommerceBank Oklahoma City, OK88 out of 100, Very strong$1.6B15.5%0.66%vs
Bank 7Bank Oklahoma City, OK86 out of 100, Very strong$1.9B13.9%0.39%vs
Sooner State BankBank Tuttle, OK86 out of 100, Very strong$354.6M12.8%0.33%vs
U. S. Employees O. C. Federal Credit UnionCredit union Oklahoma City, OK85 out of 100, Very strong$213.5M16.3%0.20%vs
Liberty National BankBank Lawton, OK84 out of 100, Strong$1.3B10.3%0.02%vs