Credit Union Safety Analysis
Is Tinker Federal Credit Union Safe? Oklahoma City, Oklahoma
Based on its Q2 2026 NCUA 5300 call report, Tinker Federal Credit Union has a net worth ratio of 14.72%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.63%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Tinker Federal Credit Union's net worth ratio is 14.72%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 14.72%
- Delinquency ratio (60+ days) (Q2 2026): 0.63%
- Return on assets (Q2 2026): 0.71%
- Loan-to-share ratio (Q2 2026): 69.12%
Tinker Federal Credit Union (NCUA charter 24524, established 1946) reported $6.12B in assets and 488,459 members for Q2 2026 from Oklahoma City, Oklahoma. It is the largest of 51 credit unions in Oklahoma by total assets. Total assets fell 0.9% from $6.18B on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 454 credit unions with $1B to $10B in assets: 10.89%; middle half of peers: 9.81% to 12.63%.
Earlier filings: 14.52% for Q1 2026; 13.87% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.68%; middle half of peers: 0.45% to 1.05%.
Earlier filings: 0.69% for Q1 2026; 0.84% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.89%; middle half of peers: 0.59% to 1.25%.
Earlier filings: 0.93% for Q1 2026; 0.82% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 88.03%; middle half of peers: 78.23% to 95.19%.
Earlier filings: 66.86% for Q1 2026; 67.46% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $1.35B
- New vehicle loans: $629.5M
- 1- to 4-family residential and other consumer real estate loans: $484.3M
- Commercial loans: $443.8M
- Other secured non-real estate loans and lines of credit: $347.4M
- Unsecured credit card loans: $182.9M
- Other unsecured loans and lines of credit: $151.9M
- Non-federally guaranteed student loans: $314K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $6.12B | 14.72% | 0.63% | 0.71% | 69.12% |
| March 31, 2026 | $6.13B | 14.52% | 0.69% | 0.93% | 66.86% |
| December 31, 2025 | $6.05B | 14.47% | 0.93% | 0.77% | 67.40% |
| September 30, 2025 | $6.17B | 14.15% | 0.76% | 1.05% | 68.06% |
| June 30, 2025 | $6.18B | 13.87% | 0.84% | 0.82% | 67.46% |
| March 31, 2025 | $6.17B | 13.68% | 0.91% | 0.85% | 66.52% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Tinker Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 24524) · FFIEC NIC profile (RSSD 220590)
Frequently asked questions
Is Tinker Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Tinker Federal Credit Union's net worth ratio is 14.72%, above the 7% NCUA threshold for well capitalized.
Is Tinker Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Tinker Federal Credit Union is a federally insured credit union (NCUA charter 24524): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Tinker Federal Credit Union's key safety ratios?
For Q2 2026, Tinker Federal Credit Union reports net worth 14.72%, delinquency 0.63%, ROA 0.71%, loan-to-share 69.12%.
What happens to my money if Tinker Federal Credit Union fails?
For Q2 2026, Tinker Federal Credit Union held $5.20B in shares and deposits for 488,459 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.