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Overview / Commentary
3720 E 31st St
Tulsa, OK 74135

Tulsa Teachers Credit Union is headquartered in Tulsa and is the 2nd largest credit union in the state of Oklahoma. It is also the 133rd largest credit union in the nation. It was established in 1934 and as of December of 2013, it had grown to 293 employees and 111,193 members. Tulsa Teachers Credit Union's money market rates are 36% higher than the national average, and it has a A health rating.

Field of Membership Restrictions

TTCU serves the following Oklahoma counties: Tulsa, Creek, Osage, Adair, Cherokee, Craig, Delaware, Mayes, Nowata, Okmulgee, Ottawa, Rogers, Wagoner and Washington. - 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 Tulsa Teachers Credit Union had $17.26 million in non-current loans and owned real-estate with $182.76 million in equity and loan loss allowances on hand to cover it. This gives Tulsa Teachers Credit Union a Texas Ratio of 9.44% 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 Tulsa Teachers Credit Union experienced no significant changes from 10.31% as of December 31, 2012 to 9.44% as of December 31, 2013, resulting in a positive change of 8.41%.This indicates that the balance sheet and financial strength for Tulsa Teachers Credit Union has had no significant changes in recent periods.

Deposit Growth


In the past year, Tulsa Teachers Credit Union has increased its total deposits by $129.64 million, resulting in 13.39% 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 Tulsa Teachers 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. Tulsa Teachers Credit Union has $1.4 billion in assets with $182.76 million in equity, resulting in a capitalization level of 13.01%, which is excellent.

Institution Statistics

NCUA #60553
Year Chartered1934
Primary Regulator
Assets and Liabilities
Assets$1.40 billion
Loans$1.10 billion
Deposits$1.10 billion
Equity Capital$170.58 million
Loan Loss Allowance$12.18 million
Unbacked Noncurrent Loans$17.14 million
Real Estate Owned$116,000
Historic Data - December 2012
Assets$1.26 billion
Equity Capital$163.89 million
Loan Loss Allowance$11.13 million
Unbacked Noncurrent Loans$17.14 million
Real Estate Owned$45,000
Profit Margin - Quarterly
Net Interest Margin4.13%
Return on Assets0.8%
Return on Equity6.59%
Interest Income$56.69 million

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Tulsa Teachers Credit Union Savings Account Rates

0.70%$40k-Roth Savings
0.70%$40k-IRA Savings
0.40%$40k-Share Accounts

Tulsa Teachers Credit Union Money Market Rates

0.60%$50k-Money Market Account

Tulsa Teachers Credit Union Checking Account Rates

0.20%--Classic Checking
0.20%--Rewards Checking

Tulsa Teachers Credit Union CD Rates

1.50%$50k-48 Month Jumbo CD
1.45%$1k-48 Month CD
1.30%$50k-36 Month Jumbo CD
1.25%$1k-36 Month CD
1.05%$50k-24 Month Jumbo CD
1.05%$50k-19 Month Jumbo CD Special
1.00%$1k-24 Month CD
1.00%$1k$50k19 Month CD Special
0.85%$50k-18 Month Jumbo CD
0.80%$1k-18 Month CD
0.75%$50k-12 Month Jumbo CD
0.70%$1k-12 Month CD
0.70%$50k-6 Month Jumbo CD
0.65%$1k-6 Month CD

Tulsa Teachers Credit Union IRA Rates

1.50%$1k-48 Month IRA (Traditional,CESA)
1.50%$1k-48 Month Roth IRA
1.30%$1k-36 Month IRA (Traditional,CESA)
1.30%$1k-36 Month Roth IRA
1.05%$1k-24 Month IRA (Traditional,CESA)
1.05%$1k-24 Month Roth IRA
1.05%$1k-19 Month IRA Special (Traditional,CESA)
1.05%$1k-19 Month Roth IRA Special
0.75%$1k-12 Month IRA (Traditional,CESA)
0.75%$1k-12 Month Roth IRA

Tulsa Teachers Credit Union has 13 locations. Click to view all Tulsa Teachers Credit Union locations.