Federal credit union · Oklahoma City, Oklahoma · NCUA charter #24524
Tinker
Health score 91/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 91
- Health / 100
- $6.05B
- Total assets
- 481,250
- Members
- 14.5%
- Net-worth ratio
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.
Tinker - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)83
- Earnings (ROA)100
- Member growth76
- Liquidity (loan-to-share)96
Weighted composite: 91/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 14.47% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 14.47% | 30% |
| Delinquency Rate | 0.93% | 25% |
| Return on Assets | 1.31% | 15% |
| Member Growth | 1.94% | 15% |
| Loan-to-Share Ratio | 67.40% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Tinker
481,250 members and $6.05B in total assets sit behind Tinker, a federal credit union in Oklahoma City, Oklahoma, which posts a health score of 91/100 (Excellent) on the five-factor composite, with $3.48B in outstanding loans as of Q4 2025 and a net worth ratio of 14.47% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #24524 in peer group Over $500M, a cohort of 749 similarly-sized institutions.
On loan book quality: 0.93% of loans are 60+ days past due against the total loan book - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running looser than peers. Meanwhile a 67.40% loan-to-share ratio shows how aggressively member deposits get deployed into lending, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 1.31% on net income of $79.0M for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 1.94%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Community); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
Nearby Credit Unions in Oklahoma
Other federally-insured credit unions in Oklahoma, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Tinker financially healthy?
Tinker scores 91/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 14.47% 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 14.47% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.