Is it the right call?

[ucbalumnus]

https://transfernow.unt.edu/ says:

@University of North Texas

To graduate with a bachelor’s degree from UNT, take at least 25 percent of the university minimum of 120 credit hours here. A minimum of 42 advanced hours also are required, 24 of them here.

So UNT requires at least 30 credits there, including at least 24 in advanced level courses there, before graduating. I.e. a minimum of two semesters there.

You say that you have 100 credits at OU, but will need three more semesters (including the current one) to graduate. Does this mean that you are behind on course requirements relative to the number of credits you have? By credits, you will probably have enough by the end of spring 2021.