Federal credit union · Tulsa, Oklahoma · NCUA charter #24887

TTCU

Health score 68/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.

68
Health / 100
$2.69B
Total assets
149,063
Members
13.2%
Net-worth ratio
C Letter grade on the five-factor composite

TTCU scores 68/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $2.69B; members 149,063; net-worth ratio 13.23%; health rank #3,711 of 4,374; healthier than 15th of scored peers.

NCUA 5300 Call Report masthead

NCUA 5300 Call Report Masthead

#3,711 of 4,374 health · 2025Q4

TTCU · health 68/100 · $2.69B · 2025Q4

  • NW 68/100
  • DELQ 13.2%
  • ROA 1.56%
  • ASSETS -0.08%
  • MEM $2.69B
  • RANK 149,063
  • PHOTO #3,711/4,374
  • BOOK America's First
  • CHARTER 24887

Call Report peers

TTCU in the assets neighbourhood

CONSUMERS$2.69BAmerica's First$2.69BTTCU (this)$2.69BCredit Union of Texas$2.68BTOGETHER$2.66BOregon State$2.66B
Nearest other-state credit unions by total assets (NCUA 5300)

TTCU's $2.69B assets sit next to America's First ($2.69B) 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.

TTCU 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

68 15th percentile higher than 15% 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

TTCU - Share Insurance Coverage

Read from the 2025Q4 NCUA Call Report for charter #24887: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.

NCUSIF coverage gauge for TTCU Share insurance under NCUSIF covers up to $250,000 per share owner. TTCU holds approximately $2.1B in member shares. Composite CAMELS rating bracket 2 (Satisfactory). Risk-based capital ratio 13.2 percent. Share Insurance Coverage Federal NCUSIF - $250K per share owner 1 2 3 4 5 CAMELS 2 · Satisfactory RBC ratio 13.2% · $2.1B 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

TTCU: Call Report deltas vs peers

  • Net Worth Ratio leads the peer set - 13.23% here, 11.18% peer average (+2.05 pp).
  • Largest lag: Loan-to-Share Ratio at 57.03% vs peer 83.90% (-26.87 pp).

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

TTCU in Oklahoma

  • Health composite ranks #44 of 53 among scored Oklahoma credit unions.
  • Assets rank #2 of 53 inside Oklahoma ($2.69B reported).
  • Oklahoma membership ordinal: #2 of 53.

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 TTCU

TTCU: total assets by quarter

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

2,500,000,0002,550,000,0002,600,000,0002,650,000,0002,700,000,0002,750,000,000 2023Q42024Q42025Q42026Q1 2,560,408,139 2,696,041,904 ▲ +5.3%
  • Assets moved +0.4% from $2.69B (2025Q4) to $2.70B (2026Q1).
  • Net-worth ratio shifted +0.14 pp (13.09% → 13.23%).

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 88.2%

13.23% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).

How the 68/100 score is built

Each segment is a pillar's weighted contribution to the composite; widths sum to 68.

  • Net Worth Ratio 30.0 pts
  • Delinquency Rate 15.8 pts
  • Return on Assets 3.8 pts
  • Member Growth 6.3 pts
  • Loan-to-Share Ratio 12.1 pts

TTCU vs peer ratios

Metric Value vs peer
Net Worth Ratio 13.23% +2.05 pp
Delinquency Rate 1.56% +0.69 pp
Return on Assets -0.08% -0.58 pp
Member Growth -1.50% -
Loan-to-Share Ratio 57.03% -26.87 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).

Call Report history - TTCU

Quarter Assets Members
2026Q1 $2.70B -
2025Q4 $2.69B 149,063
2024Q4 $2.56B 151,331
2023Q4 $2.56B 154,069

Credit Union Details

Charter Number
24887
Type
Federal
Field of Membership
Community
Peer Group
Over $500M
State
Oklahoma
City
Tulsa
Data Quarter
2025Q4

Branch Locations (21)

TTCU operates 21 offices across 14 cities, per its most recent NCUA branch filing.

Office City
Corporate Office (Main Office) Tulsa, OK
Bixby Bixby, OK
North Broken Arrow Broken Arrow, OK
South Broken Arrow Broken Arrow, OK
Claremore Claremore, OK
Edmond Edmond, OK
Quail Springs Edmond, OK
Jenks Jenks, OK
Miami Miami, OK
Muskogee Muskogee, OK
Crown Heights Oklahoma City, OK
Owasso Owasso, OK
Pryor Pryor, OK
Sand Springs Sand Springs, OK
Sapulpa Sapulpa, OK
Tahlequah Tahlequah, OK
Southeast Tulsa, OK
North Pointe Tulsa, OK
Riverside Tulsa, OK
Midtown Tulsa, OK
Eastland Tulsa, OK

Source: NCUA Credit Union Branch Information, 2025Q4 filing.

Nearby Credit Unions in Oklahoma

A look at other Oklahoma credit unions, ranked by how closely their peer group and asset size match this one.

Compare TTCU vs COMMUNICATION

Cross-state Call Report peers for TTCU

TTCU's nationwide photo peers by assets and by health score, excluding Oklahoma charters.

Similar health score

Nearest other-state credit unions by five-factor health composite (68/100 here).

Crayola LLC Employees Credit Union 68 · PA Highway Crossroads 68 · MO Superior Credit Union 68 · PA Peoria Postal Employees 68 · IL

Using this data

  • TTCU ranks #3,711 of 4,374 nationally on financial health and #44 of 53 in OK -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
  • COMMUNICATION is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with COMMUNICATION
  • 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 TTCU financially healthy?

A 13.23% net worth ratio and a 1.56% delinquency rate feed into TTCU's financial health score of 68/100 (Good), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,711 of 4,374; by total assets it ranks #187 of 4,374 nationally (same basis as /rankings/largest); and #2 of 53 within Oklahoma. The scale: above 80 excellent, below 50 warrants closer monitoring.

How does TTCU compare to other credit unions?

TTCU scores 68/100 on PlainCU's health composite, compared to a peer group average for Over $500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), 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 TTCU?

TTCU 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 TTCU directly for the exact boundaries and application steps.

Is my money safe at TTCU?

Federal credit unions like TTCU 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. TTCU's net worth ratio of 13.23% exceeds the 7% threshold NCUA considers "well capitalized."

What rates does TTCU offer compared to banks?

Credit unions like TTCU 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 TTCU 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 TTCU. 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.