Credit union · NCUA insured
Focus Federal Credit Union
A $162.1M credit union headquartered in Oklahoma City, OK, with 12,341 members and 5 branches in Oklahoma. Best rates: CDs 4.00% and savings 0.50% APY.
Focus Federal Credit Union Carrot Score
83
Carrot Score
Higher than 61% of U.S. banks and credit unions
#18 of 47 in Oklahoma City, OK metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Focus Federal Credit Union
In 1955, a group of seven people obtained a Federal Charter to organize Focus Federal Credit Union.
Originally founded around medical institutions, it now serves the Oklahoma City Metro Area and eight Oklahoma counties.
- Headquarters
- 420 NE 10th St, Oklahoma City, OK 73104
- NCUA charter
- 10283
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives, works, worships, or attends school in Oklahoma, Cleveland, Canadian, Lincoln, Logan, McClain, Pottawatomie, and Grady Counties is eligible to become a member.
Branches
5 branches in Oklahoma
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Oklahoma
5 branches
- Main BranchMain office420 NE 10th St, Oklahoma City, OK 73104Directions
- Chickasha Branch1804 S 1st St, Chickasha, OK 73018Directions
- Tri City Branch1097 NW 32nd Street, Newcastle, OK 73065Directions
- Midtown Branch1111 N Lee Ave Ste 125, Oklahoma City, OK 73103Directions
- Northwest Branch14173 N MacArthur Blvd, Oklahoma City, OK 73142Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 8.99% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.45% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.03% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $89 | $76 | — |
- CapitalNet worth ratio8.99%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.45%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.03%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$89Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Focus Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.