TellerScore

Western Sun Federal Credit Union (NCUA charter #4202) is based in Broken Arrow, Oklahoma. Its Q2 2026 call report shows $181.5M in total assets and $148.2M in member shares and deposits and 5 offices.

Based on its Q2 2026 filing, Western Sun Federal Credit Union scores 73/100, which we describe as strong. That is higher than 60% of 1,341 credit unions with $100 million – $1 billion. Among 52 credit unions headquartered in Oklahoma, it ranks 24th. Its strongest component is capital cushion (100/100; 17.57%), and its lowest is earnings (24/100; 0.09%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 17.57%
Loan quality76/100
Loans 60+ days delinquent ÷ total loans: 0.71%
Earnings24/100
Return on assets (annualized): 0.09%
Funding & liquidity65/100
Loans ÷ shares: 95.7% · 2.7% uninsured
Problem-loan coverage94/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.22%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (72 → 73).

TellerScore
707375Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202475
Q3 202474
Q4 202474
Q1 202571
Q2 202572
Q3 202570
Q4 202572
Q1 202673
Q2 202673
Net worth ratio
7.00%12.29%17.57%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202417.06%
Q3 202417.14%
Q4 202416.73%
Q1 202516.61%
Q2 202516.90%
Q3 202517.06%
Q4 202517.46%
Q1 202617.11%
Q2 202617.57%
Delinquent loans (60+ days)
0.62%0.83%1.04%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.73%
Q3 20240.85%
Q4 20241.04%
Q1 20250.72%
Q2 20250.71%
Q3 20250.84%
Q4 20250.64%
Q1 20260.62%
Q2 20260.71%
Return on assets
-0.28%0.12%0.52%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.34%
Q3 20240.38%
Q4 20240.52%
Q1 2025-0.28%
Q2 2025-0.16%
Q3 2025-0.16%
Q4 2025-0.09%
Q1 2026-0.06%
Q2 20260.09%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202673$181.5M17.57%0.71%0.09%95.7%
Q1 202673$185.7M17.11%0.62%-0.06%91.9%
Q4 202572$182.1M17.46%0.64%-0.09%95.3%
Q3 202570$187.5M17.06%0.84%-0.16%92.0%
Q2 202572$189.7M16.90%0.71%-0.16%90.5%
Q1 202571$193.1M16.61%0.72%-0.28%88.7%
Q4 202474$189.8M16.73%1.04%0.52%92.9%
Q3 202474$186.6M17.14%0.85%0.38%95.8%
Q2 202475$186.3M17.06%0.73%0.34%96.6%

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 ratio17.57%
94th
Problem loans0.71%
49th
Net charge-offs0.69%
21st
Return on assets0.09%
7th
Loans to deposits95.7%
7th
Uninsured deposits2.7%
85th
Loan-loss reserves0.00%
50th
Texas ratio3.2%
59th

Similar-size credit unions in Oklahoma

InstitutionScoreAssetsCapitalProblem loansCompare
Municipal Emps CU of Oklahoma City Credit UnionCredit union Oklahoma City, OK62 out of 100, Moderate$190.5M8.8%0.17%vs
Red River Federal Credit UnionCredit union Altus, OK79 out of 100, Strong$168.4M12.1%0.28%vs
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
The Focus Federal Credit UnionCredit union Oklahoma City, OK57 out of 100, Moderate$163.2M9.0%0.45%vs
Green Country Federal Credit UnionCredit union Sand Springs, OK32 out of 100, Low$155.4M8.5%2.75%vs

Deposit insurance

Is my money safe at Western Sun Federal Credit Union?

Yes. Western Sun Federal Credit Union is a federally insured credit union (NCUA charter #4202). 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 2.7% of shares and deposits ($4.0M) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 17.57%, well 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

Western Sun Federal Credit Union lists 5 offices in 3 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Western Sun Federal Credit Union reported 121 home-loan applications under HMDA (LEI 54930037ZQUSJHCXY666): 83 originated ($5,755,000 total), 18 denied, and 20 withdrawn or closed by the applicant. Its denial rate on decided applications was 17.8%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Western Sun Federal Credit Union
Type
Federal credit union
NCUA charter #
4202
RSSD ID
346173
Primary regulator
NCUA
Established
1940
Headquarters
4620 W Kenosha, Broken Arrow, OK 74012
Employees
68

Quick answers

Western Sun Federal Credit Union: common questions

Is Western Sun Federal Credit Union NCUA insured?

Yes. Western Sun Federal Credit Union is a federally insured credit union (NCUA charter #4202). 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 Western Sun Federal Credit Union's TellerScore?

73 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 Western Sun Federal Credit Union have?

5 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Broken Arrow

InstitutionScoreAssetsCapitalProblem loansCompare
First Bank of OwassoBank Owasso, OK93 out of 100, Very strong$639.3M15.7%0.01%vs
Saint Francis Employees Federal Credit UnionCredit union Tulsa, OK92 out of 100, Very strong$44.7M15.9%0.20%vs
The First National Bank and Trust Company of Broken ArrowBank Broken Arrow, OK89 out of 100, Very strong$269.5M16.4%0.14%vs
International Bank of CommerceBank Oklahoma City, OK88 out of 100, Very strong$1.6B15.5%0.66%vs
United Members Federal Credit UnionCredit union Tulsa, OK87 out of 100, Very strong$10.4M18.6%0.15%vs
Bank 7Bank Oklahoma City, OK86 out of 100, Very strong$1.9B13.9%0.39%vs