TellerScore

Otoe-Missouria Federal Credit Union (NCUA charter #24910) is based in Red Rock, Oklahoma. Its Q2 2026 call report shows $3.5M in total assets and $3.1M in member shares and deposits.

Based on its Q2 2026 filing, Otoe-Missouria Federal Credit Union scores 26/100, which we describe as low. That is higher than only 1% of 2,479 credit unions with under $100 million in assets. Among 52 credit unions headquartered in Oklahoma, it ranks 52nd. Its strongest component is funding & liquidity (67/100; 62% loans-to-deposits, 43% uninsured), and its lowest is earnings (0/100; -3.74%).

TellerScore · Q2 2026

Scorecard

Capital cushion42/100
Net worth ratio: 9.17%
Loan quality0/100
Loans 60+ days delinquent ÷ total loans: 4.55%
Earnings0/100
Return on assets (annualized): -3.74%
Funding & liquidity67/100
Loans ÷ shares: 62.0% · 42.7% uninsured
Problem-loan coverage31/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 34.46%

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 7 points (33 → 26), mostly because the capital cushion component weakened by 25 points.

TellerScore
263544Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202436
Q3 202444
Q4 202443
Q1 202532
Q2 202533
Q3 202533
Q4 202529
Q1 202626
Q2 202626
Net worth ratio
7.00%9.36%11.72%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.47%
Q3 202411.40%
Q4 202411.56%
Q1 202511.32%
Q2 202511.72%
Q3 202511.57%
Q4 202510.94%
Q1 20269.71%
Q2 20269.17%
Delinquent loans (60+ days)
2.72%4.24%5.75%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20243.55%
Q3 20242.72%
Q4 20243.11%
Q1 20255.49%
Q2 20255.75%
Q3 20254.80%
Q4 20254.10%
Q1 20263.76%
Q2 20264.55%
Return on assets
-5.08%-2.05%0.97%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.71%
Q3 20240.97%
Q4 20240.84%
Q1 2025-0.01%
Q2 20250.04%
Q3 20250.03%
Q4 2025-0.47%
Q1 2026-5.08%
Q2 2026-3.74%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202626$3.5M9.17%4.55%-3.74%62.0%
Q1 202626$3.5M9.71%3.76%-5.08%64.9%
Q4 202529$3.5M10.94%4.10%-0.47%68.0%
Q3 202533$3.5M11.57%4.80%0.03%73.2%
Q2 202533$3.4M11.72%5.75%0.04%75.0%
Q1 202532$3.5M11.32%5.49%-0.01%77.7%
Q4 202443$3.4M11.56%3.11%0.84%80.7%
Q3 202444$3.5M11.40%2.72%0.97%83.3%
Q2 202436$3.3M11.47%3.55%0.71%85.4%

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 ratio9.17%
10th
Problem loans4.55%
7th
Net charge-offs5.12%
2nd
Return on assets-3.74%
2nd
Loans to deposits62.0%
45th
Uninsured deposits42.7%
0th
Loan-loss reserves0.00%
37th
Texas ratio34.5%
1st

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
Growing Oaks Federal Credit UnionCredit union Goldsby, OK55 out of 100, Moderate$4.1M9.5%0.80%vs
Morning Star Federal Credit UnionCredit union Tulsa, OK55 out of 100, Moderate$1.1M5.8%0.59%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 Otoe-Missouria Federal Credit Union?

Yes. Otoe-Missouria Federal Credit Union is a federally insured credit union (NCUA charter #24910). 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 42.7% of shares and deposits ($1.3M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 9.17%, above 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
Otoe-Missouria Federal Credit Union
Type
Federal credit union
NCUA charter #
24910
RSSD ID
5387274
Primary regulator
NCUA
Established
2019
Headquarters
7480 Highway 177 Ste A, Red Rock, OK 74651
Employees
4

Quick answers

Otoe-Missouria Federal Credit Union: common questions

Is Otoe-Missouria Federal Credit Union NCUA insured?

Yes. Otoe-Missouria Federal Credit Union is a federally insured credit union (NCUA charter #24910). 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 Otoe-Missouria Federal Credit Union's TellerScore?

26 out of 100 (Low), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.