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
A Letter grade on the five-factor composite

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 · 2025Q4

TINKER · health 91/100 · $6.05B · 2025Q4

  • PHOTO 91/100
  • BOOK 14.5%
  • CHARTER 0.93%
  • NCUSIF 1.31%
  • CAMELS $6.05B
  • HEALTH 481,250
  • NW #909/4,374
  • DELQ COASTAL
  • ROA 24524

Call Report peers

TINKER in the assets neighbourhood

University of Wisconsin$6.30BGENISYS$6.21BTINKER (this)$6.05BCOASTAL$6.03BTrustone Financial$5.97BROYAL$5.83B
Nearest other-state credit unions by total assets (NCUA 5300)

TINKER's $6.05B assets sit next to COASTAL ($6.03B) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.

Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.

TINKER vs every NCUA-scored credit union

Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing

91 Top 23% higher than 77% of 4,374 credit unions

every scored credit union, bucketed by value

Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.

Source NCUA 5300 Call Report aggregates · 2025Q4

TINKER - Share Insurance Coverage

Below: composite supervisory bracket and risk-based capital for charter #24524, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.

NCUSIF coverage gauge for TINKER Share insurance under NCUSIF covers up to $250,000 per share owner. TINKER holds approximately $5.2B in member shares. Composite CAMELS rating bracket 1 (Strong). Risk-based capital ratio 14.5 percent. Share Insurance Coverage Federal NCUSIF - $250K per share owner 1 2 3 4 5 CAMELS 1 · Strong RBC ratio 14.5% · $5.2B member shares Insured · backed by full faith and credit of the United States
Source: NCUA 5300 Call Report 2025Q4 - share insurance under Title II of the Federal Credit Union Act

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%).

Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.

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).

In-state ordinals use the live credit_unions table for OK only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.

Quarter path for TINKER

TINKER: total assets by quarter

4 Call Report filings on this page's own vintage chain

5,900,000,0006,000,000,0006,100,000,0006,200,000,000 2023Q42024Q42025Q42026Q1 5,962,137,529 6,131,469,970 ▲ +2.8%
  • Assets moved +1.3% from $6.05B (2025Q4) to $6.13B (2026Q1).
  • Net-worth ratio shifted +0.05 pp (14.47% → 14.52%).

Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.

Net worth ratio vs. NCUA well-capitalized threshold 96.8%

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

Each segment is a pillar's weighted contribution to the composite; widths sum to 91.

  • 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

Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).

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.

Compare TINKER vs TTCU

Other-state peers near TINKER

Cross-state asset and health neighbours for TINKER - kept outside Oklahoma; in-state CUs stay in the Nearby block.

Similar health score

Nearest other-state credit unions by five-factor health composite (91/100 here).

Appalachian Community 91 · TN Los Angeles Police 91 · CA Healthcare Systems 91 · VA Arkansas Farm Bureau 91 · AR

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
  • Rates and health both vary by institution, not just by state -- see how Oklahoma credit unions compare overall before assuming this one is typical. Oklahoma state overview

National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.

Frequently Asked Questions

Is TINKER financially healthy?

TINKER scores 91/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #909 of 4,374; by total assets it ranks #66 of 4,374 nationally (same basis as /rankings/largest); and #1 of 53 within Oklahoma. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 14.52% net worth ratio and a 0.93% delinquency rate.

How does TINKER compare to other credit unions?

PlainCU's health composite puts TINKER at 91/100, compared to a peer group average for Over $500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).

What is a credit union health score?

A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.

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?

Federal credit unions like TINKER are 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."

What rates does TINKER offer compared to banks?

Credit unions like TINKER are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact TINKER directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.

Data sources

Related

How health scores work →

Data sourced from the NCUA 5300 Call Report (2025Q4) for TINKER. Retrieved and formatted by PlainCU. See our methodology for details.

Disclaimer: Not affiliated with NCUA. For informational purposes only.

Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.