Mcalester Aap vs Southwest Oklahoma
Comparing a Credit Union in Mcalester, OK with a Credit Union in Lawton, OK using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| Mcalester Aap ↗ Credit Union · Mcalester, OK · Est. 1947 | Southwest Oklahoma ↗ Credit Union · Lawton, OK · Est. 1958 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Credit Union | Credit Union |
| Location | Mcalester, OK | Lawton, OK |
| Total assets | $12.5M | $117.3M |
| Net worth ratio | 37.8% | 18.6% |
| Return on assets | 1.9% | 1.8% |
| Shares & deposits | — | — |
| Members | 1,337 | 4,851 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #2 of 53 | #6 of 53 |
| Established | 1947 | 1958 |
Mcalester Aap
- Assets: $12.5M
- Members: 1,337
- Capital ratio: 37.8%
- Return on assets: 1.9%
- CFPB complaints: 0
- State rank: #2 of 53
Southwest Oklahoma
- Assets: $117.3M
- Members: 4,851
- Capital ratio: 18.6%
- Return on assets: 1.8%
- CFPB complaints: 0
- State rank: #6 of 53
Are both institutions federally insured?
Yes. Mcalester Aap is NCUA-insured and Southwest Oklahoma is NCUA-insured. Both protect deposits up to $250,000 per depositor, per ownership category, regardless of Trust Grade. The Trust Grade reflects financial strength and complaint history — not the safety of insured deposits. Estimate your coverage →
Frequently asked questions
Which is better, Mcalester Aap or Southwest Oklahoma?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — Mcalester Aap scores higher with a grade of A (98/100). However, "better" depends on your needs: if you prioritize branch access, local service, or membership eligibility for a credit union, the lower-scoring option may still be the right choice for you.
Is Mcalester Aap safe?
Yes — Mcalester Aap is NCUA-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected regardless of the institution's Trust Grade. Its Trust Grade is A (98/100), reflecting its financial strength and complaint history relative to peers.
Is Southwest Oklahoma safe?
Yes — Southwest Oklahoma is NCUA-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected. Its Trust Grade is A (98/100).
What is the capital ratio of Mcalester Aap vs Southwest Oklahoma?
Mcalester Aap has a net worth ratio of 37.8%, placing it in the top 3% of <$100M peers. Southwest Oklahoma's ratio is 18.6%, placing it in the top 4% of $100M–1B peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does Mcalester Aap have compared to Southwest Oklahoma?
The CFPB database shows 0 complaints against Mcalester Aap, and 0 complaints against Southwest Oklahoma. The per-$1B rate adjusts for institution size and is a more meaningful comparison metric.
How does Bankzia calculate the Trust Grade?
The Trust Grade combines a financial strength score (based on capital ratio, return on assets, and other FDIC/NCUA metrics) with a customer experience score derived from CFPB complaint data. The scores are weighted and normalized within peer groups by institution size and type. See our full methodology for details.
Compare Mcalester Aap with other Credit Unions in Oklahoma
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
