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Overview / Commentary
P.O. Box 972
Shawnee, OK 74802

Tri-County Credit Union is headquartered in Shawnee and is the 62nd largest credit union in the state of Oklahoma. It is also the 5,674th largest credit union in the nation. It was established in 1940 and as of March of 2014, it had grown to 2 employees and 857 members. Tri-County Credit Union has a C health rating.

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Data for Q1 2014

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Tri-County Credit Union has a very low asset base.

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 Tri-County Credit Union had $15,000 in non-current loans and owned real-estate with $307,000 in equity and loan loss allowances on hand to cover it. This gives Tri-County Credit Union a Texas Ratio of 4.89% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Deposit Growth


In the past year, Tri-County Credit Union has decreased its total deposits by $-354,000, resulting in -11.47% 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 Tri-County Credit Union has shown is poor.



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. Tri-County Credit Union has $3.04 million in assets with $307,000 in equity, resulting in a capitalization level of 10.09%, which is above average.

Institution Statistics

NCUA #3718
Year Chartered1940
Primary Regulator
Assets and Liabilities
Assets$3.04 million
Loans$1.29 million
Deposits$2.73 million
Equity Capital$299,000
Loan Loss Allowance$8,000
Unbacked Noncurrent Loans$15,000
Real Estate Owned$0
Historic Data - March 2013
Assets$3.40 million
Equity Capital$302,000
Loan Loss Allowance$8,000
Real Estate Owned$0
Profit Margin - Quarterly
Return on Assets-0.13%
Return on Equity-1.34%
Interest Income$26,000

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Tri-County Credit Union Locations
Branch Office201 N Bell Ave Ste 112Shawnee, OK 74801-6940