TellerScore

Headquartered in Norman, Oklahoma, Ou Federal Credit Union is a federal credit union with $82.7M in total assets and $77.8M in member shares and deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1954.

Based on its Q2 2026 filing, Ou 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 44th. Its strongest component is funding & liquidity (78/100; 82% loans-to-deposits, 5% uninsured), and its lowest is capital cushion (28/100; 7.76%).

TellerScore · Q2 2026

Scorecard

Capital cushion28/100
Net worth ratio: 7.76%
Loan quality64/100
Loans 60+ days delinquent ÷ total loans: 1.08%
Earnings55/100
Return on assets (annualized): 0.88%
Funding & liquidity78/100
Loans ÷ shares: 81.9% · 4.9% uninsured
Problem-loan coverage77/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 11.71%

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 9 points (46 → 55), mostly because the earnings component improved by 30 points.

TellerScore
465359Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202457
Q3 202452
Q4 202451
Q1 202556
Q2 202546
Q3 202554
Q4 202556
Q1 202659
Q2 202655
Net worth ratio
7.00%7.42%7.83%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20247.69%
Q3 20247.82%
Q4 20247.58%
Q1 20257.57%
Q2 20257.52%
Q3 20257.83%
Q4 20257.59%
Q1 20267.78%
Q2 20267.76%
Delinquent loans (60+ days)
0.28%0.70%1.13%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.28%
Q3 20240.81%
Q4 20240.69%
Q1 20250.65%
Q2 20251.13%
Q3 20250.51%
Q4 20250.41%
Q1 20260.73%
Q2 20261.08%
Return on assets
0.10%0.55%1.01%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.13%
Q3 20240.18%
Q4 20240.10%
Q1 20250.41%
Q2 20250.13%
Q3 20250.26%
Q4 20250.23%
Q1 20261.01%
Q2 20260.88%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202655$82.7M7.76%1.08%0.88%81.9%
Q1 202659$80.5M7.78%0.73%1.01%84.9%
Q4 202556$79.9M7.59%0.41%0.23%83.7%
Q3 202554$78.3M7.83%0.51%0.26%87.4%
Q2 202546$80.1M7.52%1.13%0.13%85.0%
Q1 202556$80.0M7.57%0.65%0.41%78.9%
Q4 202451$78.9M7.58%0.69%0.10%83.8%
Q3 202452$78.0M7.82%0.81%0.18%83.3%
Q2 202457$78.7M7.69%0.28%0.13%81.2%

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 ratio7.76%
4th
Problem loans1.08%
36th
Net charge-offs0.87%
16th
Return on assets0.88%
62nd
Loans to deposits81.9%
17th
Uninsured deposits4.9%
22nd
Loan-loss reserves0.00%
37th
Texas ratio11.7%
11th

Similar-size credit unions in Oklahoma

InstitutionScoreAssetsCapitalProblem loansCompare
DFCU Tulsa Federal Credit UnionCredit union Tulsa, OK65 out of 100, Moderate$65.5M15.2%2.23%vs
Fraternal Order of Police Federal Credit UnionCredit union Tulsa, OK80 out of 100, Strong$56.7M12.4%0.50%vs
Employees Federal Credit UnionCredit union Tulsa, OK55 out of 100, Moderate$46.8M8.5%0.98%vs
Fire Fighters Credit UnionCredit union Tulsa, OK77 out of 100, Strong$45.4M20.7%1.39%vs
Saint Francis Employees Federal Credit UnionCredit union Tulsa, OK92 out of 100, Very strong$44.7M15.9%0.20%vs
Bison Federal Credit UnionCredit union Shawnee, OK86 out of 100, Very strong$42.5M15.3%0.39%vs

Deposit insurance

Is my money safe at Ou Federal Credit Union?

Yes. Ou Federal Credit Union is a federally insured credit union (NCUA charter #9335). 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 4.9% of shares and deposits ($3.8M) 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 7.76%, slightly 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

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

All branch addresses and map

Identity & history

Profile

Legal name
Ou Federal Credit Union
Type
Federal credit union
NCUA charter #
9335
RSSD ID
288385
Primary regulator
NCUA
Established
1954
Headquarters
Po Box Gg, Norman, OK 73070
Employees
16

Quick answers

Ou Federal Credit Union: common questions

Is Ou Federal Credit Union NCUA insured?

Yes. Ou Federal Credit Union is a federally insured credit union (NCUA charter #9335). 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 Ou 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.

How many branches does Ou Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Norman

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
Sooner State BankBank Tuttle, OK86 out of 100, Very strong$354.6M12.8%0.33%vs
Bank 7Bank Oklahoma City, OK86 out of 100, Very strong$1.9B13.9%0.39%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