Tinker Federal Credit Union Oklahoma City, Oklahoma
Tinker Federal Credit Union is a federal credit union headquartered in Oklahoma City, OK, established in 1946 (NCUA charter 24524), and it is regulated and insured by the NCUA. At Q2 2026 it reported 488,459 members and total assets of $6.12B (down 0.9% from Q2 2025), the largest of 51 credit unions headquartered in Oklahoma. Its net worth ratio was 14.72% at Q2 2026, in the well capitalized band.
Trade names filed with the NCUA: Tinker FCU, TFCU and TFCU Prime Business Solutions
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 24524
- Headquarters
- Oklahoma City, OK
- Established
- 1946
- Total assets, Q2 2026
- $6.12B
- Assets vs Q2 2025
- -0.9%
- Members, Q2 2026
- 488,459
- Net worth ratio, Q2 2026
- 14.72%
- Latest call report
- Q2 2026, NCUA 5300 · Tinker Federal Credit Union call report
- Asset rank in state
- 1st of 51 in Oklahoma
- Routing number
- 303085829
- Branches
- 34
It has 11,253 more members than on June 30, 2025 (+2.4%). Its net worth ratio was up 0.85 percentage points from 13.87% on June 30, 2025. Used vehicle loans are its largest loan category, $1.35B of $3.59B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.63% is below the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 14.72% net worth ratio is above that band's 10.89% median.
Credit unions similar in size in Oklahoma
Credit unions merged into Tinker Federal Credit Union
Life Federal Credit Union (2025) · MY Choice Federal Credit Union (2017) · Langston Federal Credit Union (2014)
Frequently asked about Tinker Federal Credit Union
How big is Tinker Federal Credit Union?
At Q2 2026 it reported total assets of $6.12B and 488,459 members.
Where is Tinker Federal Credit Union headquartered?
It is headquartered in Oklahoma City, OK, United States.
When was Tinker Federal Credit Union founded?
It was established in 1946, per NCUA records.
Is Tinker Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 24524): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Tinker Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Tinker Federal Credit Union well capitalized?
Its net worth ratio was 14.72% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Tinker Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.63% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Tinker Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 69.12% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Oklahoma City, OK 73108
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1946
- NCUA Charter #
- 24524
- RSSD ID
- 220590
- Members
- 488,459
- Potential members
- 1,344,539
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 454 credit unions with $1B to $10B in assets, as of Q2 2026. It is in the top quartile on 3 of 7 ranked measures and in the bottom quartile on 1.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 12.63% | 14.72% | 10.89% | over 90th top |
| Return on assets Middle half of peers: 0.59% to 1.25% | 0.71% | 0.89% | 35th below |
| Return on equity Middle half of peers: 5.37% to 10.92% | 4.83% | 8.07% | 22nd bottom |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 4.02% | 3.45% | 84th top |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 67.94% | 70.59% | 59th above |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 1.29% | 1.68% | 80th top |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 0.63% | 0.68% | 56th above |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 5.31% | 5.12% | 64th position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 69.12% | 88.03% | 16th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$6.12B total assets against $6.18B; $5.20B total shares and deposits against $5.12B; $3.59B total loans against $3.46B.
$900.9M net worth against $858.0M.
14.72% net worth ratio against 13.87%.
69.12% loan-to-share ratio against 67.46%.
0.63% delinquency ratio against 0.84%.
0.71% return on assets against 0.82%; 4.83% return on equity against 5.88%.
4.02% net interest margin against 3.62%.
488,459 members against 477,206.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 14.72% | 0.71% | 0.63% | 69.12% |
| March 31, 2026 | 14.52% | 0.93% | 0.69% | 66.86% |
| December 31, 2025 | 14.47% | 0.77% | 0.93% | 67.40% |
| September 30, 2025 | 14.15% | 1.05% | 0.76% | 68.06% |
| June 30, 2025 | 13.87% | 0.82% | 0.84% | 67.46% |
| March 31, 2025 | 13.68% | 0.85% | 0.91% | 66.52% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.