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Overview / Commentary
4116 Thomas St
Fort Sill, OK 73503

Fort Sill Federal Credit Union is headquartered in Fort Sill and is the 11st largest credit union in the state of Oklahoma. It is also the 788th largest credit union in the nation. It was established in 1956 and as of March of 2014, it had grown to 81 employees and 28,652 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 Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Fort Sill Federal Credit Union had $1.24 million in non-current loans and owned real-estate with $24.68 million in equity and loan loss allowances on hand to cover it. This gives Fort Sill Federal Credit Union a Texas Ratio of 5.04% 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 dramatically from 7.62% as of March 31, 2013 to 5.04% as of March 31, 2014, resulting in a positive change of 33.92%.This indicates that the balance sheet and financial strength for Fort Sill Federal Credit Union has improved dramatically in recent periods.

Deposit Growth


In the past year, Fort Sill Federal Credit Union has increased its total deposits by $5.81 million, resulting in 2.58% 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 above average.



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 $256.2 million in assets with $24.68 million in equity, resulting in a capitalization level of 9.63%, which is above average.

Institution Statistics

NCUA #10832
Year Chartered1956
Primary Regulator
Assets and Liabilities
Assets$256.20 million
Loans$101.27 million
Deposits$231.44 million
Equity Capital$23.72 million
Loan Loss Allowance$962,000
Unbacked Noncurrent Loans$642,000
Real Estate Owned$601,000
Historic Data - March 2013
Assets$250.55 million
Equity Capital$23.81 million
Loan Loss Allowance$1.33 million
Unbacked Noncurrent Loans$642,000
Real Estate Owned$688,000
Profit Margin - Quarterly
Return on Assets0.07%
Return on Equity0.76%
Interest Income$1.64 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 - Qualifying
0.05%--Rewards Checking - Non Qualifying

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

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