# TTCU THE
Tulsa, OK · NCUA charter 60553 · asset band $1-10B · latest filing 2017-06 · stopped filing after 2017-06 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/ttcu-the-60553

Who the members are: state charter, organized 1934. 124,362 members of 186,543 potential (66.7% of the field); checking penetration 49% (share draft accounts per 100 members); loans per 100 members 57.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $1.80B |
| Members | 124,362 (3.2% YoY) |
| Full-time staff | 371 |
| Net worth | $225.5M |
| Net worth ratio | 12.5% (p85 of band) |
| ROA (annualized) | 0.72% (p45 of band) |
| Total delinquency | 0.66% (p76 of band) |
| Net charge-offs (annualized) | 1.03% (p97 of band) |
| Loans / shares | 90% (p62 of band) |
| Cash / assets | 2.4% |
| Borrowings / assets | 9.81% |
| Net interest margin | 2.88% (p64 of band) |
| Operating expense / assets | 2.68% (p33 of band) |
| Vehicles % of loans | 54% (p87 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 112% |
| Third-party paper % of net worth | 330% (p83 of band) |
| Vehicle delinquency | 0.71% (p78 of band) |
| Vehicle NCO | 1.44% (p94 of band) |
| Repossessed % of vehicle book | 0.26% (p97 of band) |
| Real estate % of loans | 24% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 45% |
| Certificates % of member funds | 25% |
| Average share balance | $6,470 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 57% |
| Loans granted per 100 members, annualized | 20% |
| Average loan balance | $17,372 |
| Loans granted, annualized | $537.8M |

## Flags firing in the latest filing

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

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 4 | delinquency 2x band, charge-offs p90, leaning on borrowings, 3rd-party paper>100% NW |  |
| 2016-06 | 3 |  | delinquency 2x band |
| 2016-09 | 4 | net worth falling |  |
| 2016-12 | 4 | delinquency 2x band | net worth falling |
| 2017-03 | 3 |  | delinquency 2x band |
| 2017-06 | 3 |  |  |

## 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
- 2017-06-06 [State Sen. Dan Newberry announces his resignation from Oklahoma Senate - KTUL](https://news.google.com/rss/articles/CBMiiwFBVV95cUxOUHlaMGNFMjlEMnJqcXZNMVZOenRTQ21uZzIyN2lIQW8tUTNZZ041NjJ6ZlZDREtBOF81NWJfVmpXOExRclZkaVNBT08wZFlYelVJUEozLUstNDk3VFNwVnBDMWRVZGVXcXNHZm05Zi13R2J3cGo3aXN5VWNnbldYWktXQnhhYkJNR1Jr?oc=5) · KTUL
- 2026-02-04 [TTCU Federal Credit Union $3M Overdraft Fee Settlement - Claim Depot](https://news.google.com/rss/articles/CBMicEFVX3lxTE5HVUd0SzdiQ210YnU3M04yTHdrbE9ZQXg3bHlYS1ZQR0xtZkxHQ1hfbW9TRHV5OFZWY0cwYUFRSU1DUTVmV2lTRzBNbzdIQmdYRkM5LXRLWWlTU1FidDhKcWJjeVV0OUMwZkFQUHRpb0M?oc=5) · Claim Depot
- 2016-03-22 [Portrait of first African American Deputy Marshal Bass Reeves Unveiled - Oklahoma State Senate (.gov)](https://news.google.com/rss/articles/CBMipgFBVV95cUxOVGdXNTRJLXVRXzljbGZEeWdFRkxNRjVzOGtTR3hUWUYtTVR5ZFdnX3ZFc0wzN3plLW14NGNBVmtKbXk4QS1abFZVSW84YnJ0ZG9KSmVudmFWczAwdTZOOGw3LWtBMDVMbEE1dEFPeklRVGJQZkhuZnVwZkJKbDgtLXlYUlVVTjFUN2Y2NjBseTVlc3U2VUVKWENpSEdQZHNleXJXa0lB?oc=5) · Oklahoma State Senate (.gov)
- 2017-06-06 [Dan Newberry resigns from Oklahoma State Senate - NonDoc Media](https://news.google.com/rss/articles/CBMidkFVX3lxTE9WZmwxbmZtV3I0bDhRNjg4QWJzN3FHNWxnUTFwZEM1V0M5NnBZMnJjdHZnYUVIaDh4UVJidVdHQ1VqSFo3aXJRZ1hDSXhwTzlHT09Mdi04LUtPUzJ1RFlxRGZyN3BwVjd2dlQ0NTZWVjFleVlUY2c?oc=5) · NonDoc Media
- 2022-09-28 [TTCU Federal Credit Union surprises Deer Creek teachers with wish list items - KFOR](https://news.google.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?oc=5) · KFOR
- 2017-06-06 [State Sen. Dan Newberry announces his resignation from Oklahoma Senate - KOKH](https://news.google.com/rss/articles/CBMijgFBVV95cUxOMVlIZFRYaU0taGVsS3NFbFNla2JwU19QMnZ2Z1lHX1hUUjBHekVlclJzM3JySU9rQ2ZBdlNpMTBFY0pzNGJMVUtnS1JKbHExZ2cxbjRURUhjaGl6cnhvZlp0LWdwdEF2dy1vem9zT2xac2NaRFhZckRLeTdZZS1TRWw5U2hZbktXQTVXYlBB?oc=5) · KOKH
- 2017-01-26 [Logan County filings for Jan. 26, 2017 - Guthrie News Page](https://news.google.com/rss/articles/CBMic0FVX3lxTE9SdUR2NVphWjB3dDNyOXdiTTkxeUdQb2pUUDhiaU1LQ3E3bTFyeVhOaW8wd0U1WjZYaWhZZXo0cFlua0VYcXBFQWJDYXNVek5VRF9QRllybkE3VnMwdWtuWTFqWjZvZHFHVnl2b2xpYmlPRjg?oc=5) · Guthrie News Page

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=60553 (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/9.json (key "60553", 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=60553
- 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