# TTCU
Tulsa, OK · NCUA charter 24887 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/ttcu-24887

Who the members are: federal charter, multiple common bond, organized 1934, low-income designated. 147,698 members of 221,547 potential (66.7% of the field); checking penetration 66% (share draft accounts per 100 members); loans per 100 members 42.

**Verdict on the desk:** this could be *stressed*. Composite score 5 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $2.70B |
| Members | 147,698 (-1.9% YoY) |
| Full-time staff | 435 |
| Net worth | $356.7M |
| Net worth ratio | 13.2% (p85 of band) |
| ROA (annualized) | 0.76% (p55 of band) |
| Total delinquency | 1.32% (p90 of band) |
| Net charge-offs (annualized) | 1.50% (p97 of band) |
| Loans / shares | 56% (p5 of band) |
| Cash / assets | 8.7% |
| Borrowings / assets | 7.61% |
| Net interest margin | 3.00% (p28 of band) |
| Operating expense / assets | 3.04% (p40 of band) |
| Vehicles % of loans | 33% (p65 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 66% |
| Third-party paper % of net worth | 168% (p59 of band) |
| Vehicle delinquency | 1.60% (p92 of band) |
| Vehicle NCO | 2.73% (p94 of band) |
| Repossessed % of vehicle book | 0.54% (p97 of band) |
| Real estate % of loans | 31% |
| Credit cards % of loans | 5% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 47% |
| Certificates % of member funds | 29% |
| Average share balance | $6,998 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $0 |
| Loans outstanding per 100 members | 42% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $19,240 |
| Loans granted, annualized | $418.8M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $0 outstanding purchased (0.0% of net worth), $15.1M sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares -0.1% year over year.

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)
- **charge-offs p90** (`aq_nco_high`)
- **repo signal** (`aq_repo`)
- **leaning on borrowings** (`str_borrowings`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2017-09 | 3 | charge-offs p90, leaning on borrowings, 3rd-party paper>100% NW |  |
| 2017-12 | 3 |  |  |
| 2018-03 | 3 |  |  |
| 2018-06 | 3 |  |  |
| 2018-09 | 2 |  | charge-offs p90 |
| 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 | 4 | charge-offs p90 |  |
| 2021-06 | 3 |  | net worth falling |
| 2021-09 | 4 | delinquency 2x band |  |
| 2021-12 | 3 |  | delinquency 2x band |
| 2022-03 | 4 | delinquency 2x band |  |
| 2022-06 | 5 | delinquency rising |  |
| 2022-09 | 4 |  | delinquency rising |
| 2022-12 | 5 | delinquency rising |  |
| 2023-03 | 4 |  | delinquency rising |
| 2023-06 | 5 | delinquency rising |  |
| 2023-09 | 6 | repo signal |  |
| 2023-12 | 7 | assets shrinking |  |
| 2024-03 | 8 | net worth falling, losing money | assets shrinking |
| 2024-06 | 6 |  | delinquency rising, net worth falling |
| 2024-09 | 7 | loan book shrinking |  |
| 2024-12 | 7 |  |  |
| 2025-03 | 6 | net worth falling | leaning on borrowings, losing money |
| 2025-06 | 5 |  | net worth falling |
| 2025-09 | 6 | leaning on borrowings |  |
| 2025-12 | 6 | net worth falling | loan book shrinking |
| 2026-03 | 5 |  | net worth falling |

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

- 2026-02-10 [$3M TTCU Federal Credit Union overdraft fees class action settlement - Top Class Actions](https://news.google.com/rss/articles/CBMi2AFBVV95cUxQM0RFVThWbTBaOUhzQTFPUXRZNnJSRU5IZTYtaFZIeHl3dDJNYk45VThXYWpYZ1dRZ2hrQlFOZFFXT2dPQnU3aTZKMUZWOG9pZTdoREVhU2ctdWtsVHdKSllwcVI3cVFYVnlUYW9mcnVFeHJYdE41c3hiMTNpM0ZxdjV4MnRicVBGbHdvSnZ5SmxLZVpHSHUtUW15UDhITkxJMHh3c0d1TGdzQWNCSEdqdGdfZkwwb2ZSdHJJSlJPWGI2S2Y4NHVKcEI4SDZrWTFaajNaSW5TXy0?oc=5) · Top Class Actions
- 2024-08-26 [TTCU announces new Chief Financial Officer - CUInsight](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPTkRPWmNRaGpVVHd2akRpWXVyLXc1ZmVTdjBtSDNGZlNnejV0UG1pUEh5NE5UNzFzUWJmMmJhZE8zVzFoVVo5M0Z6RE1zUHlhNnVXMFA5M3VUWldidG13S3dFZEJ6VXpuRE85d2ltTm05SDI0TWp1NTY0Rk52MkhxMGhUV0JDQ0NMYzNV?oc=5) · CUInsight
- 2026-04-01 [TTCU donates $25K to OKCPS for school-branded debit cards launch - journalrecord.com](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNQUpHaXRYM3ZuZi1UQno2bTRMYTlic2dWNEFsalJQcENWTzdzRWRLWF9POHdCcnI1T3QzZWpBTDZhMldmbUxVSTdReGtmVlIwMjdLQ1NGU3JwdXJsb1FENkFITWpDRVVQMW5pakhrOFJSOWZESkttRk9KU0lTeGI3MmQzTmE0R2hsYS1n?oc=5) · journalrecord.com
- 2025-11-05 [TTCU Federal Credit Union Spirit Stick 2025: Pryor - News On 6](https://news.google.com/rss/articles/CBMioAFBVV95cUxOV1JTZWt3Z3FnME5PSFJxU1ZOMHBsTGQ3bkZGbTRzRjBRUlYyVzl4enJiZ1ZCbDVJSl9Xb3prR3pBeFZHLWdQZUQyREFYYnBRcW9hZVJXWnBsWEJmOWZFWHJpSkpiY2t5YkkzWGYweU5lRGExaWd5TmFuU0RKMWxRWmF1Q29RcFRRVHlOZTFnTy1YLVphQldET2puUHVMNl9F?oc=5) · News On 6
- 2024-04-11 [TTCU Federal Credit Union taps Shelby Beil as next President and CEO - CUInsight](https://news.google.com/rss/articles/CBMirgFBVV95cUxQMnNrcW9BUXRVU0hkUjJpVHkwUUNuUzlHUU5hV1ZBNGVVYk1QSEl5RUwtbVJqMmVkU056aWpNQzhrdXh1RTRBLVVvdHFKVTJ0QzczVVBkN25zbnpPcG9tUWNyb3RfdHhMRzRTRnRWYUZ4ZGh5bGQzZGRtei1PSU5wOV9MZ3NiZkg0djlaNGFFT3Y4TmVpWTFXZlZUUWx2UmZEaFhuLXh2ekZ5VHBEZ2c?oc=5) · CUInsight
- 2017-06-06 [Dan Newberry resigns from Oklahoma State Senate - nondoc.com](https://news.google.com/rss/articles/CBMidkFVX3lxTE9WZmwxbmZtV3I0bDhRNjg4QWJzN3FHNWxnUTFwZEM1V0M5NnBZMnJjdHZnYUVIaDh4UVJidVdHQ1VqSFo3aXJRZ1hDSXhwTzlHT09Mdi04LUtPUzJ1RFlxRGZyN3BwVjd2dlQ0NTZWVjFleVlUY2c?oc=5) · nondoc.com
- 2019-04-05 [Sand Springs Accountants & Financial Services - Sandite Pride News](https://news.google.com/rss/articles/CBMiVkFVX3lxTE9ReTRsU1V1OTkwN2tONVZ1NDR0dTJNUnN0WWNTRjZkRnBxNUdMWTFtNXFzS2pLSi1RWkdKYXBkWjIwbURmODJIbHZyNEh1clU3bGhaTnJR?oc=5) · Sandite Pride News
- 2017-06-06 [State Sen. Dan Newberry announces his resignation from Oklahoma Senate - KOKH](https://news.google.com/rss/articles/CBMijgFBVV95cUxOMVlIZFRYaU0taGVsS3NFbFNla2JwU19QMnZ2Z1lHX1hUUjBHekVlclJzM3JySU9rQ2ZBdlNpMTBFY0pzNGJMVUtnS1JKbHExZ2cxbjRURUhjaGl6cnhvZlp0LWdwdEF2dy1vem9zT2xac2NaRFhZckRLeTdZZS1TRWw5U2hZbktXQTVXYlBB?oc=5) · KOKH

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24887 (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/55.json (key "24887", 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=24887
- 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