Credit union
Tinker Federal Credit Union
Oklahoma City, Oklahoma, Oklahoma County, OK
$6.1B in total assets and 488,459 members, the 65th largest of 4,298 US credit unions and 1st of 52 headquartered in Oklahoma.
- NCUA charter
- 24524
- Charter
- Federal
- Chartered
- 1946
- NCUA insured since
- 1974
- Field of membership
- Multiple common bond - primarily military
- Low-income designation
- Yes
- Website
- https://www.tinkerfcu.org
At a glance
Compared with 445 US federally insured credit unions with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This credit union | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $6.1B | 91% | $2.1B | |
| Loans | $3.6B | 86% | $1.5B | |
| Deposits (shares) | $5.2B | 92% | $1.8B | |
| Members | 488,459 | 97% | 117,912 | |
| Return on assets | 0.82% | 51% | 0.82% | |
| Net interest income to assets | 4.01% | 86% | 3.42% | |
| Efficiency ratio | 69.5% | 42% | 71.8% | |
| Net worth ratio | 14.72% | 91% | 10.86% | |
| Loans to shares | 69% | 13% | 88% | |
| Cost of deposits | 1.51% | 30% | 1.79% |
Ratios are annualized from year-to-date figures. Return on assets uses average assets, as NCUA does. Cost of deposits includes dividends on shares.
Growth
Total assets grew 5.7% a year over 10 years and 1.5% a year over the last 5, including 3 mergers in the last 10 years. Membership grew 2.5% a year over 5 years, to 488,459.
Dashed lines mark larger mergers, listed below.
Mergers and acquisitions
| Closed | Absorbed | Assets at last filing |
|---|---|---|
| May 2025 | Living in Fulfillment Everyday Federal Credit Union Credit union, Cross Roads, TX | $14M |
| Sep 2020 | Prime Bank Bank, Edmond, OK | $309M |
| Dec 2017 | My Choice Federal Credit Union Credit union, Tulsa, OK | $2M |
| Mar 2014 | Langston Federal Credit Union Credit union, Langston, OK | $113K |
Where they operate
33 branches in 10 counties.
3 of 33 branch locations are approximate (ZIP code centers).
Largest counties by branches
| County | Branches | Share of all branches | Rank |
|---|---|---|---|
| Oklahoma County, OK | 15 | 4.8% | 3 of 82 |
| Cleveland County, OK | 7 | 7.6% | 3 of 37 |
| Garfield County, OK | 2 | 8.0% | 4 of 16 |
| Tulsa County, OK | 2 | 0.7% | 30 of 73 |
| Denton County, TX | 2 | 1.0% | 22 of 57 |
| Canadian County, OK | 1 | 2.1% | 13 of 24 |
| Payne County, OK | 1 | 2.9% | 9 of 19 |
| Pontotoc County, OK | 1 | 5.6% | 5 of 11 |
Credit unions do not report deposits by branch, so these are branch counts: this credit union's branches against every bank and credit union branch in the county. Rank is among all banks and credit unions with a branch there.
Branches by year
| Year end | Branches | Change |
|---|---|---|
| 2016 | 30 | |
| 2017 | 31 | +1 |
| 2018 | 31 | 0 |
| 2019 | 32 | +1 |
| 2020 | 33 | +1 |
| 2021 | 33 | 0 |
| 2022 | 33 | 0 |
| 2023 | 33 | 0 |
| 2024 | 31 | −2 |
| 2025 | 34 | +3 |
| Jun 2026 | 33 | −1 |
Member-serving offices as listed in NCUA call reports. Changes include branches gained in mergers.
Earnings and credit
Return on assets
Year to date, annualized, with the peer median.
Credit and capital
| This credit union | Peer median | |
|---|---|---|
| Delinquent loans, 60+ days | 0.63% | 0.69% |
| Net worth ratio | 14.72% | 10.86% |
| Loans to shares | 69% | 88% |
Delinquent loans are two or more months past due. Net worth is NCUA's capital measure for credit unions.
Related
Credit unions of similar size in Oklahoma
Most branches in Oklahoma County, OK
Figures as of June 30, 2026 from the credit union's NCUA call report (Form 5300), NCUA's credit union locator and FFIEC merger records.