Tinker Federal Credit Union

Tinker Federal Credit Union is headquartered in Oklahoma City and is the largest credit union in the state of Oklahoma. It is also the 43^rd largest credit union in the nation. It was established in 1946 and as of December of 2011, it had grown to 506 employees and 251,441 members. Tinker Federal Credit Union has a 5-star health rating.

Tinker Federal Credit Union Routing Number: 303085829

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Data for Q4 2011

Institution Statistics TINKER NCUA # 24524 BankRate Report View Year Chartered 1946 Employees 506 Primary Regulator Assets and Liabilities Assets $2.65 billion Loans $1.50 billion Deposits $2.36 billion Equity Capital $270.99 million Loan Loss Allowance $13.39 million Unbacked Noncurrent Loans $18.24 million Real Estate Owned $72,000 Historic Data - December 2010 Assets $2.39 billion Equity Capital $239.60 million Loan Loss Allowance $14.78 million Unbacked Noncurrent Loans $18.93 million Profit Margin - Quarterly Net Interest Margin 4.36% Return on Assets 1.03% Return on Equity 10.05% Interest Income $101.80 million Non-Interest Income $37.37 million

Institution Health Overall Score: 5 out of 5 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, 2011 Tinker Federal Credit Union had $18.31 million in non-current loans and owned real-estate with $284.37 million in equity and loan loss allowances on hand to cover it. This gives Tinker Federal Credit Union a Texas Ratio of 6.44% 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 held steady from 7.44% as of December 31, 2010 to 6.44% as of December 31, 2011, resulting in a positive change of 13.44%.This indicates that the balance sheet and financial strength for Tinker Federal Credit Union has held steady in recent periods. Deposit Growth In the past year, Tinker Federal Credit Union has increased its total deposits by $223.23 million, resulting in 10.46% 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. Capitalization 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 $2.65 billion in assets with $284.37 million in equity, resulting in a capitalization level of 10.74%, which is above average.

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