# TINKER
Oklahoma City, OK · NCUA charter 24524 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/tinker-24524

Who the members are: federal charter, multiple common bond, organized 1946, low-income designated. 484,290 members of 1,344,539 potential (36.0% of the field); checking penetration 48% (share draft accounts per 100 members); loans per 100 members 53.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $6.13B |
| Members | 484,290 (2.4% YoY) |
| Full-time staff | 945 |
| Net worth | $890.0M |
| Net worth ratio | 14.5% (p92 of band) |
| ROA (annualized) | 0.93% (p69 of band) |
| Total delinquency | 0.69% (p58 of band) |
| Net charge-offs (annualized) | 1.12% (p90 of band) |
| Loans / shares | 67% (p13 of band) |
| Cash / assets | 10.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.94% (p88 of band) |
| Operating expense / assets | 3.65% (p73 of band) |
| Vehicles % of loans | 56% (p94 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 70% |
| Third-party paper % of net worth | 168% (p59 of band) |
| Vehicle delinquency | 0.50% (p42 of band) |
| Vehicle NCO | 1.24% (p64 of band) |
| Repossessed % of vehicle book | 0.16% (p74 of band) |
| Real estate % of loans | 13% |
| Credit cards % of loans | 5% |
| Unsecured % of loans | 9% |
| Commercial % of net worth | 46% |
| Core shares % of member funds | 44% |
| Certificates % of member funds | 20% |
| Average share balance | $6,223 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $16.6M |
| Loans outstanding per 100 members | 53% |
| Loans granted per 100 members, annualized | 19% |
| Average loan balance | $13,602 |
| Loans granted, annualized | $1.95B |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $16.6M outstanding purchased (1.9% of net worth), $4.4M sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 1.6% year over year.

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco_high`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | charge-offs p90, 3rd-party paper>100% NW, auto monoline |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 3 |  |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 3 |  |  |
| 2017-06 | 3 |  |  |
| 2017-09 | 3 |  |  |
| 2017-12 | 3 |  |  |
| 2018-03 | 3 |  |  |
| 2018-06 | 2 |  | charge-offs p90 |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 3 | charge-offs p90 |  |
| 2019-06 | 2 |  | charge-offs p90 |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 3 | net worth falling |  |
| 2020-06 | 3 |  |  |
| 2020-09 | 3 |  |  |
| 2020-12 | 3 |  |  |
| 2021-03 | 3 |  |  |
| 2021-06 | 2 |  | net worth falling |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 3 | charge-offs p90 |  |
| 2022-06 | 3 | delinquency rising | charge-offs p90 |
| 2022-09 | 2 |  | delinquency rising |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 |  |  |
| 2023-06 | 2 |  |  |
| 2023-09 | 2 | delinquency rising | auto monoline |
| 2023-12 | 2 |  |  |
| 2024-03 | 3 | leaning on borrowings |  |
| 2024-06 | 2 |  | leaning on borrowings |
| 2024-09 | 1 |  | delinquency rising |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 2 | charge-offs p90 |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-04-10 [Tinker Federal Credit Union giving away gas gift cards - KFOR](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQck9WNVF3aHRyU1dzZHdXOXVNNm0ycm5oWkhmYzNNU0E4cnRtNEc1Rm4wWk0xa2N4YXZJbG9vdUd1NWktWWlCbFR1c3hXa254emZFZDVCYnRoWHdZMW9MU1d0UnNsOC16ZHd4b2RLTm1BdURZZEpQZkhmRzBmQTFCdE5Va21QNUFpaUNV0gGQAUFVX3lxTE5tMzA2aU5HOGI1cVBXT20zdzMyMEFjeFl1SUlsQkZ4eHhIVm5GT0I2ZUZNRFNfODJORWRrZEdGSnlFLWdpQmJTSHhjdUVoV0pPMlVkb09yMWpJWHFrU3NORm1qZHlCTGo2TDdTSnctalJBWWxEdm9nanNJUVNDUVdaWmVBTGl5bUgtMUVXRXlNTQ?oc=5) · KFOR
- 2026-06-12 [Tinker Federal Credit Union offers chance to win free gas for a year - journalrecord.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxQNFpEY1BHaHZDNl9iSnoyVnpoa1VfRGNkVFVqWXUxdnZvZW9GdS03Ym52MzM2X0d2b21rVk80Tkh4YW12X0NRMktSMURHcjl5QlBzWFFYNFFYS0d1cU02NE5MWERrX0NTSHJRUUdCazFCTUxFRU4yT0UtVUxDNFNyX3F6dE5GSnZQSnM3QTBhMEt2bldCSzBF?oc=5) · journalrecord.com
- 2025-12-29 [Tinker Federal Credit Union announced new senior vice president of operations - CUInsight](https://news.google.com/rss/articles/CBMirAFBVV95cUxQSmM4eXJOeVVZYzVIMUsteWJoUmdXRjg0VnhlSzVqLUQzcHhDRHlnbGF0QmYtN2xNZG9BME5Zak5WSS1kaHhYSGVKTHVpaUxCTjB1N1I4QTgxakszeU0yUVZ4WXNwVGFhRllmdGlJbVFyVUpaX0hIQXRiNm9XcllvMkxDRHcwNTduWm5QTlZiSUdZNEpFelU1aUpBRVlsNHJMQWI3RDVzclFHdWlN?oc=5) · CUInsight
- 2026-03-23 [Tinker Federal Credit Union names new vice president and manager of real estate sales - CUInsight](https://news.google.com/rss/articles/CBMixAFBVV95cUxNVVYzRzltOUFlaG5ORDhXRXJManpBXzkwWFZQdGlfVlZjR0wzSkVmLWY0Szlld0pzRHhVaVR6cUNwb0ZnUXhQbGNPdjllVU1WTzdjcFBMNHh6MXlub09GZnc3LTU2TWlYUGxQWktUMHFtdThBRjJleWtmaENiQlJJVEhDRzhDVERuTkZwWWZld2NPcnRxUUFKZjdHS0xaYUNuMkIwY29WRWJYTjFVMEhqTUgycERTZ05sUmdXLVZ4NE9FMVVU?oc=5) · CUInsight
- 2026-04-27 [Tinker Federal Credit Union offers disaster relief after Enid tornado - journalrecord.com](https://news.google.com/rss/articles/CBMimgFBVV95cUxOM3M2d2dNc19ZOUlfc2NQZnowLXFoWlplNHUxVGpUcFQzWVBXaTdsQjJGY3did2VENmJnMFk3UWhFSllTX3J1c19mcEVLX2ZWX3d3aF9MY0FJMWJiZE5WaUJzejZNcEs3dnVnWUZTemw5SHZGVkdwVzNWMzkzZWc3T3YycHlxRHVHb1JRMTFndTI3dHkyWS1wY2hn?oc=5) · journalrecord.com
- 2025-08-01 [Tinker Federal Credit Union experiencing system issues preventing customers from accessing services - koco.com](https://news.google.com/rss/articles/CBMihgFBVV95cUxPdU9kTzVWS25ucFFOdlNRaVRYVDJUQU1YMnhUazJxbHZZZW1FMkVZbjVFb2RUcXRvb3VuZEo2LXZvSGQ5elNITmpEMzBEbWgzdDFSTTlIUEFNR3o3eXpydzhaNzg2d092QXE1aGt6OXc5STlBMVhQTGQ5Y3VqNm1WeVdScUpXdw?oc=5) · koco.com
- 2025-12-22 [Tinker Federal Credit Union announces four new leaders to its enterprise project delivery - CUInsight](https://news.google.com/rss/articles/CBMiygFBVV95cUxPTnR2a2VZS2VTUTVKUWZqSHZNZ0hocW1NUFhsUDhmNTZtV0RiU3Nzd2F2MXl0dnVaeGtWd0VvQXZUWnBRenNEVXlDRDdLUEhHWmJHT29nVzBfcmRrV0hjMi1HS2taUXFxaGNmQ2N3Zm1ObldyQ0l0Y2JtT1RkdjA0N1hhOTBwWnV1T092cmoySnRsTFVzOVhVY2xyRjQ0VU1UV3dzemdCc2JJbUFGTTBsbTBlSU9pbmxoVEZDMXhPYmtKejc2RHUxeHVB?oc=5) · CUInsight
- 2020-04-30 [Tinker Federal Credit Union to acquire Prime Bank of Edmond, OK - KOKH](https://news.google.com/rss/articles/CBMilAFBVV95cUxNRVdncE5HOWNaT05jLU1iOWlSRmVfNHZiWlBUcmZNOVB0Ykdsamx1WV9WSmZqRWMwZndOWjA5SGF5b0dTUmxyeXRBUk1uWldFV2UtNHZMbUNVU3JJd2pjcW9fVzVObmg4TzVOZ1A1cFQxNHFhV1lQbW9vSjFEMmphc0RMeHRIYzA0VkgwRk1hdDZxcXZD?oc=5) · KOKH

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24524 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/12.json (key "24524", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=24524
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide