TellerScore

Okunity Federal Credit Union (NCUA charter #18965) is based in Stillwater, Oklahoma. Its Q2 2026 call report shows $214.7M in total assets and $175.6M in member shares and deposits and 2 offices.

Okunity Federal Credit Union has a TellerScore of 72 out of 100 (strong) based on Q2 2026 data — higher than 57% of its 1,341 credit unions with $100 million – $1 billion. Among 52 credit unions headquartered in Oklahoma, it ranks 28th. Problem-loan coverage contributes the most (93/100, 3.3%); earnings contributes the least (48/100, 0.71%).

TellerScore · Q2 2026

Scorecard

Capital cushion73/100
Net worth ratio: 12.33%
Loan quality84/100
Loans 60+ days delinquent ÷ total loans: 0.48%
Earnings48/100
Return on assets (annualized): 0.71%
Funding & liquidity66/100
Loans ÷ shares: 93.9% · 5.0% uninsured
Problem-loan coverage93/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.34%

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 3 points (69 → 72), mostly because the capital cushion component improved by 9 points.

TellerScore
667074Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202466
Q3 202466
Q4 202466
Q1 202570
Q2 202569
Q3 202571
Q4 202574
Q1 202670
Q2 202672
Net worth ratio
7.00%9.66%12.33%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.20%
Q3 202411.26%
Q4 202411.34%
Q1 202511.41%
Q2 202511.44%
Q3 202511.71%
Q4 202512.02%
Q1 202611.94%
Q2 202612.33%
Delinquent loans (60+ days)
0.09%0.31%0.52%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.52%
Q3 20240.50%
Q4 20240.47%
Q1 20250.09%
Q2 20250.31%
Q3 20250.30%
Q4 20250.25%
Q1 20260.49%
Q2 20260.48%
Return on assets
0.35%0.56%0.78%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.49%
Q3 20240.44%
Q4 20240.46%
Q1 20250.35%
Q2 20250.53%
Q3 20250.69%
Q4 20250.78%
Q1 20260.55%
Q2 20260.71%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202672$214.7M12.33%0.48%0.71%93.9%
Q1 202670$218.0M11.94%0.49%0.55%90.0%
Q4 202574$214.0M12.02%0.25%0.78%90.3%
Q3 202571$214.9M11.71%0.30%0.69%97.0%
Q2 202569$215.3M11.44%0.31%0.53%97.4%
Q1 202570$212.6M11.41%0.09%0.35%94.6%
Q4 202466$212.1M11.34%0.47%0.46%94.5%
Q3 202466$211.8M11.26%0.50%0.44%94.2%
Q2 202466$211.0M11.20%0.52%0.49%99.7%

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 ratio12.33%
61st
Problem loans0.48%
67th
Net charge-offs0.42%
43rd
Return on assets0.71%
48th
Loans to deposits93.9%
9th
Uninsured deposits5.0%
60th
Loan-loss reserves0.00%
50th
Texas ratio3.3%
57th

Similar-size credit unions in Oklahoma

InstitutionScoreAssetsCapitalProblem loansCompare
U. S. Employees O. C. Federal Credit UnionCredit union Oklahoma City, OK85 out of 100, Very strong$213.5M16.3%0.20%vs
Oklahoma Federal Credit UnionCredit union Oklahoma City, OK91 out of 100, Very strong$198.9M20.2%0.24%vs
Endurance Federal Credit UnionCredit union Duncan, OK83 out of 100, Strong$196.5M13.7%0.21%vs
Municipal Emps CU of Oklahoma City Credit UnionCredit union Oklahoma City, OK62 out of 100, Moderate$190.5M8.8%0.17%vs
Western Sun Federal Credit UnionCredit union Broken Arrow, OK73 out of 100, Strong$181.5M17.6%0.71%vs
Red Crown Federal Credit UnionCredit union Tulsa, OK66 out of 100, Moderate$256.7M10.7%0.41%vs

Deposit insurance

Is my money safe at Okunity Federal Credit Union?

Yes. Okunity Federal Credit Union is a federally insured credit union (NCUA charter #18965). 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 5.0% of shares and deposits ($8.8M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 12.33%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Okunity Federal Credit Union lists 2 offices in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Okunity Federal Credit Union
Type
Federal credit union
NCUA charter #
18965
RSSD ID
42989
Primary regulator
NCUA
Established
1968
Headquarters
311 E McElroy, Stillwater, OK 74075
Employees
43

Quick answers

Okunity Federal Credit Union: common questions

Is Okunity Federal Credit Union NCUA insured?

Yes. Okunity Federal Credit Union is a federally insured credit union (NCUA charter #18965). 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 Okunity Federal Credit Union's TellerScore?

72 out of 100 (Strong), 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 Okunity Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Stillwater

InstitutionScoreAssetsCapitalProblem loansCompare
International Bank of CommerceBank Oklahoma City, OK88 out of 100, Very strong$1.6B15.5%0.66%vs
Tinker Federal Credit UnionCredit union Oklahoma City, OK83 out of 100, Strong$6.1B14.7%0.63%vs
The Payne County BankBank Perkins, OK83 out of 100, Strong$313.2M14.4%1.09%vs
First Bank & Trust CompanyBank Perry, OK78 out of 100, Strong$255.2M11.3%0.73%vs
Armstrong BankBank Muskogee, OK74 out of 100, Strong$2.8B10.4%0.25%vs
RCB BankBank Claremore, OK72 out of 100, Strong$4.0B10.7%0.94%vs