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4140 W I 40 Service Rd
Oklahoma City, OK 73108-2066

Tinker Federal Credit Union is headquartered in Oklahoma City and is the largest credit union in the state of Oklahoma. It is also the 41st largest credit union in the nation. It was established in 1946 and as of March of 2014, it had grown to 551 employees and 292,911 members. Tinker Federal Credit Union's money market rates are 70% higher than the national average, and it has a A health rating.

Field of Membership Restrictions

Membership is open to those who live, work, worship, or attend school in any of the following Oklahoma counties: Payne, Pontotoc, Seminole, and in Oklahoma City's Empowerment Zone. Immediate family (parents, children, spouse, or siblings) and household a members of a TFCU member also qualify to join. And if you work for or belong to one of TFCU Business Partners, you automatically qualify to join Tinker Federal Credit Union. - 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 Tinker Federal Credit Union had $15.15 million in non-current loans and owned real-estate with $318.71 million in equity and loan loss allowances on hand to cover it. This gives Tinker Federal Credit Union a Texas Ratio of 4.75% 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 Tinker Federal Credit Union experienced no significant changes from 4.73% as of March 31, 2013 to 4.75% as of March 31, 2014, resulting in a negative change of 0.47%. This indicates that the balance sheet and financial strength for Tinker Federal Credit Union has had no significant changes in recent periods.

Deposit Growth


In the past year, Tinker Federal Credit Union has increased its total deposits by $169.83 million, resulting in 6.24% 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 Tinker 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. Tinker Federal Credit Union has $3.22 billion in assets with $318.71 million in equity, resulting in a capitalization level of 9.89%, which is above average.

Institution Statistics

NCUA #24524
Year Chartered1946
Primary Regulator
Assets and Liabilities
Assets$3.22 billion
Loans$1.83 billion
Deposits$2.89 billion
Equity Capital$307.00 million
Loan Loss Allowance$11.71 million
Unbacked Noncurrent Loans$15.15 million
Real Estate Owned$0
Historic Data - March 2013
Assets$3.04 billion
Equity Capital$295.91 million
Loan Loss Allowance$11.24 million
Unbacked Noncurrent Loans$15.15 million
Real Estate Owned$16,000
Profit Margin - Quarterly
Net Interest Margin0.98%
Return on Assets0.73%
Return on Equity7.62%
Interest Income$24.89 million

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Tinker Federal Credit Union Savings Account Rates

0.25%--IRA Share
0.25%--Roth IRA Share
0.25%--CESA Share

Tinker Federal Credit Union Money Market Rates

0.75%$250k-Premium Plus
0.25%$2k-Command Fund

Tinker Federal Credit Union Checking Account Rates

1.49%-$30kClick Checking - Qualifying
0.15%--Heritage Checking
0.05%--Click Checking - Non Qualifying

Tinker Federal Credit Union CD Rates

1.46%$99k-48 Month Share Certificate
1.26%$99k-36 Month Share Certificate
0.95%$99k-24 Month Share Certificate
0.80%$99k-12 Month Share Certificate
0.65%$99k-6 Month Share Certificate
0.50%$99k-3 Month Share Certificate
0.20%$25-Starting Line Share Certificate

Tinker Federal Credit Union IRA Rates

1.46%$99k-48 Month IRA Share Certificate
1.26%$99k-36 Month IRA Share Certificate
0.95%$99k-24 Month IRA Share Certificate
0.80%$99k-12 Month IRA Share Certificate
0.65%$99k-6 Month IRA Share Certificate
0.50%$99k-3 Month IRA Share Certificate

Tinker Federal Credit Union has 30 locations. Click to view all Tinker Federal Credit Union locations.