Federal credit union · Oklahoma City, Oklahoma · NCUA charter #24524
TINKER
Health score 91/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 91
- Health / 100
- $6.05B
- Total assets
- 481,250
- Members
- 14.5%
- Net-worth ratio
TINKER scores 91/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $6.05B; members 481,250; net-worth ratio 14.52%; health rank #909 of 4,374; healthier than 77th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#909 of 4,374 health · 2025Q4TINKER · health 91/100 · $6.05B · 2025Q4
Call Report peers
TINKER in the assets neighbourhood
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TINKER vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); TINKER sits in 90-94 with 747 others.
91 Top 23% higher than 77% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where TINKER diverges from peer averages
- Largest favorable gap: Net Worth Ratio at 14.52% vs peer 11.18% (+3.34 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -16.50 pp (67.40% vs 83.90%).
Oklahoma standing for TINKER
- Oklahoma health ordinal: #9 of 53.
- Assets rank #1 of 53 inside Oklahoma ($6.05B reported).
- Membership ranks #1 of 53 among Oklahoma CUs with a reported count (481,250 members).
- One place up in Oklahoma, ARBUCKLE (#8) scores 93/100, 2 points higher; one place down, Oklahoma Central (#10) scores 90/100, 1 point lower.
Quarter path for TINKER
TINKER: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.3% from $6.05B (2025Q4) to $6.13B (2026Q1).
- Net-worth ratio shifted +0.05 pp (14.47% → 14.52%).
This credit union's 14.52% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 91/100 score is built
TINKER gives up 9 points in total. Delinquency Rate costs the most, 4.3 of its 25; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 20.7 pts
- Return on Assets 15.0 pts
- Member Growth 11.3 pts
- Loan-to-Share Ratio 14.0 pts
Call Report ratios for TINKER
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.52% | +3.34 pp |
| Delinquency Rate | 0.93% | +0.06 pp |
| Return on Assets | 1.31% | +0.80 pp |
| Member Growth | 1.94% | - |
| Loan-to-Share Ratio | 67.40% | -16.50 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $6.13B | - |
| 2025Q4 | $6.05B | 481,250 |
| 2024Q4 | $6.03B | 472,103 |
| 2023Q4 | $5.96B | 461,275 |
Credit Union Details
- Charter Number
- 24524
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- Oklahoma
- City
- Oklahoma City
- Data Quarter
- 2025Q4
Branch Locations (34)
The NCUA branch filing lists 34 physical offices for TINKER, spread across 17 cities in 2 states.
| Office | City |
|---|---|
| TFCU Corporate Office (Main Office) | Oklahoma City, OK |
| Ada Branch | Ada, OK |
| Choctaw Branch | Choctaw, OK |
| Cross Roads | Cross Roads, TX |
| Denton, Unicorn Lake | Denton, TX |
| Edmond Branch | Edmond, OK |
| Edmond East | Edmond, OK |
| Edmond North | Edmond, OK |
| Enid Branch | Enid, OK |
| Vance AFB | Enid, OK |
| Midwest City Branch | Midwest City, OK |
| Midwest City East Branch | Midwest City, OK |
| Moore Branch | Moore, OK |
| Norman Southeast Branch | Norman, OK |
| Norman West Branch | Norman, OK |
| Northwest Branch | Oklahoma City, OK |
| Northeast Branch | Oklahoma City, OK |
| Southwest Branch | Oklahoma City, OK |
| Southwest Drive-Thru | Oklahoma City, OK |
| Metro Tech | Oklahoma City, OK |
| Tri City | Oklahoma City, OK |
| Capitol Hill Branch | Oklahoma City, OK |
| Operations Center | Oklahoma City, OK |
| NW Rockwell | Oklahoma City, OK |
| South Sooner | Oklahoma City, OK |
| Owasso Branch | Owasso, OK |
| Seminole Branch | Seminole, OK |
| Shawnee Branch | Shawnee, OK |
| Stillwater Branch | Stillwater, OK |
| Tinker AFB Area A | Tinker AFB, OK |
| Tinker AFB C1 | Tinker AFB, OK |
| Tinker AFB - TAC | Tinker AFB, OK |
| Tulsa | Tulsa, OK |
| Yukon Branch | Yukon, OK |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Oklahoma
Other federally-insured credit unions in Oklahoma, closest first by peer group and asset size.
Other-state peers near TINKER
Similar total assets
Using this data
- TINKER ranks #909 of 4,374 nationally on financial health and #9 of 53 in OK -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- TTCU is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with TTCU
Frequently Asked Questions
Is TINKER financially healthy?
On its 2025Q4 NCUA 5300 filing, TINKER scores 91/100 (Excellent), with a 14.52% net worth ratio and 0.93% of loans delinquent. It ranks #909 of 4,374 nationally on health and #9 of 53 in Oklahoma.
How does TINKER compare to other credit unions?
TINKER scores 91/100, higher than 77% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is net worth ratio (14.52% vs 11.18%). Its widest shortfall is loan-to-share ratio (67.40% vs 83.90%).
How can I join TINKER?
TINKER operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact TINKER directly for the exact boundaries and application steps.
Is my money safe at TINKER?
TINKER is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. TINKER's net worth ratio of 14.52% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.