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P.O. Box 1527
Lawton, OK 73502

Fort Sill Federal Credit Union is headquartered in Lawton and is the 10st largest credit union in the state of Oklahoma. It is also the 787th largest credit union in the nation. It was established in 1956 and as of December of 2013, it had grown to 79 employees and 28,704 members. Fort Sill Federal Credit Union has a A health rating.

Field of Membership Restrictions

Eligible to anyone working, living, attending school or worshipping in Comanche County. - See Details

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Data for Q4 2013

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Fort Sill Federal Credit Union had $1.51 million in non-current loans and owned real-estate with $24.42 million in equity and loan loss allowances on hand to cover it. This gives Fort Sill Federal Credit Union a Texas Ratio of 6.19% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Fort Sill Federal Credit Union decreased slightly from 8.47% as of December 31, 2012 to 6.19% as of December 31, 2013, resulting in a positive change of 26.95%.This indicates that the balance sheet and financial strength for Fort Sill Federal Credit Union has improved slightly in recent periods.

Deposit Growth


In the past year, Fort Sill Federal Credit Union has increased its total deposits by $8.63 million, resulting in 4.02% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Fort Sill Federal Credit Union has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Fort Sill Federal Credit Union has $248.27 million in assets with $24.42 million in equity, resulting in a capitalization level of 9.83%, which is above average.

Institution Statistics

NCUA #10832
Year Chartered1956
Primary Regulator
Assets and Liabilities
Assets$248.27 million
Loans$102.29 million
Deposits$223.57 million
Equity Capital$23.44 million
Loan Loss Allowance$977,000
Unbacked Noncurrent Loans$834,000
Real Estate Owned$677,000
Historic Data - December 2012
Assets$239.88 million
Equity Capital$23.70 million
Loan Loss Allowance$1.34 million
Unbacked Noncurrent Loans$834,000
Real Estate Owned$696,000
Profit Margin - Quarterly
Net Interest Margin5.15%
Return on Assets0.31%
Return on Equity3.25%
Interest Income$6.69 million
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Fort Sill Federal Credit Union Savings Account Rates

0.40%$100-IRA Savings
0.40%$100-Roth IRA Savings
0.05%$25-Share (Savings)
0.05%$25-Christmas Club
0.05%--Kids Corps
0.05%$25-Military Saves

Fort Sill Federal Credit Union Checking Account Rates

2.01%-$10kRewards Checking
0.05%--Rewards Checking

Fort Sill Federal Credit Union CD Rates

1.11%$1k-5 Year Share Certificate
0.90%$1k-4 Year Share Certificate
0.70%$1k-3 Year Share Certificate
0.55%$2k-2 Year Share Certificate
0.30%$2k-1 Year Share Certificate
0.20%$2,500-6 Month Share Certificate

Fort Sill Federal Credit Union IRA Rates

1.11%$1k-5 Year IRA Share Certificate (Traditional,Roth)
0.90%$1k-4 Year IRA Share Certificate (Traditional,Roth)
0.70%$1k-3 Year IRA Share Certificate (Traditional,Roth)
0.55%$2k-2 Year IRA Share Certificate (Traditional,Roth)
0.30%$2k-1 Year IRA Share Certificate (Traditional,Roth)
0.20%$2,500-6 Month IRA Share Certificate (Traditional,Roth)

Fort Sill Federal Credit Union Locations
Branch Office6201 NW Cache RdLawton, OK 73505
Branch Office2 NE 22nd StLawton, OK 73507
Branch Office4700 Mow Way RdFort Sill, OK 73503
Branch Office5202 SW Lee BlvdLawton, OK 73505
Branch Office4116 Thomas StFort Sill, OK 73503