MORNING STAR Credit Union Profile

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MORNING STAR

Charter #14610 | NCUA Region 2 | FCU
Low-Income Designation: Yes
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (918) 582-9422

Fax: (918) 582-7095

Founding Date: N/A

Personnel & Operations

President: Bracy, Carl

Manager: Ferguson, Sandra

FT Employees: 0

PT Employees: 2

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 01

Branches: 3

Hours: WEDNESDAY 6:00PM UNTIL 8:00 PM SUNDAY 9:30A

Credit Union Profile Summary

MORNING STAR is a FCU Credit Union. With a total of 402 members [1], this institution manages approximately $970,553 in total assets [1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 7.73% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 27.47% [1].

Financial Snapshot

Total Assets [1]
$970,553

Total economic resources.

Total Loans [1]
$558,390

Total value of outstanding loans.

Total Deposits [1]
$895,571

Total funds deposited by members.

Members [1]
402

Number of active members.

Performance Ratios

Net Worth Ratio [1]
7.73%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
1.64%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
62.35%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
↑ 4.71%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
↑ 27.47%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
↓ -1.47%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

1014 E PINE ST

TULSA, OK, 74106-4957
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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

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Branch Locations

Found 2 branches reported by MORNING STAR (Charter #14610).

Main Office

Morning Star Federal Credit Union Main Office

Type: Corporate Office

1014 E Pine St

Tulsa, OK 74106-4957

Phone: (918) 582-9422

Services: Member Services

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Additional Branches

Tulsa

Morning Star Federal Credit Union

Type: Branch Office

1014 E Pine St

Tulsa, OK 74106

Phone: (918) 582-9422

Services: None specified

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