Tinker Federal Credit Union
Total assets
$6.13B
▼ -0.6% YoY
Shares & deposits
$5.22B
▲ +1.6% YoY
Loans
$3.49B
▲ +2.1% YoY
Members
484,290
▲ +2.4% YoY
ROA (annualized)
0.93%
peers 0.71%
ROE (annualized)
6.39%
peers 6.28%
Peer comparison 450 credit unions with 1B-10B in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.6% | +5.1% | -5.7 pts |
| Share growth (YoY) | +1.6% | +4.9% | -3.3 pts |
| Loan growth (YoY) | +2.1% | +5.4% | -3.4 pts |
| ROA | 0.93% | 0.71% | +0.2 pts |
| ROE | 6.4% | 6.3% | +0.1 pts |
ROA ranks in the 69th percentile of its peer group · Q1 2026
Profile
- Established
- 1946
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- Po Box 45750, Oklahoma City, OK, 73145
- NCUA charter #
- 24524
- RSSD ID
- 220590
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $6.13B | $5.22B | $3.49B | $890.0M | $14.2M | 0.93% | 3.94% | 0.69% | 484,290 |
| Q4 2025 | $6.05B | $5.16B | $3.48B | $875.8M | $53.4M | 0.88% | 3.75% | 0.93% | 481,250 |
| Q3 2025 | $6.17B | $5.09B | $3.46B | $874.2M | $41.8M | 0.90% | 3.63% | 0.76% | 480,438 |
| Q2 2025 | $6.18B | $5.12B | $3.46B | $858.0M | $25.7M | 0.83% | 3.56% | 0.84% | 477,206 |
| Q1 2025 | $6.17B | $5.14B | $3.42B | $845.4M | $13.1M | 0.85% | 3.51% | 0.91% | 472,962 |
| Q4 2024 | $6.03B | $5.04B | $3.45B | $832.4M | $79.0M | 1.31% | 3.52% | 1.20% | 472,103 |
| Q3 2024 | $6.03B | $4.97B | $3.51B | $830.1M | $66.5M | 1.47% | 3.53% | 0.96% | 469,570 |
| Q2 2024 | $6.01B | $5.00B | $3.57B | $812.4M | $48.8M | 1.62% | 3.51% | 0.92% | 466,860 |
Loan mix (Q1 2026): real estate $414.5M · commercial $405.3M · consumer $2.27B · securities $1.82B
Ratio pack Q1 2026 · peer medians from 450 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.93% | 0.71% | 69th | |
Return on equity Annualized net income ÷ equity or net worth | 6.4% | 6.3% | 51th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.94% | 3.32% | 88th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.2% | 73.0% | 43th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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