TINKER

Charter #24524 | OK

5B-7B (34 CUs) Large (64 CUs)
1 5B-7B in OK

TINKER has 7 strengths but faces 12 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Emerging Performer: Top 18.4% in tier
  • + Organic Growth Engine: Top 30.4% in tier
  • + ROA 0.10% above tier average
  • + Net Interest Margin 0.72% above tier average
  • + Total Members: Top 0.0% in tier
  • + First Mortgage Concentration (%): Top 2.9% in tier
  • + Net Worth Ratio: Top 5.9% in tier

Key Concerns

Areas that may need attention

  • - Margin Compression: Bottom 9.5% in tier
  • - Cost Spiral: Bottom 10.0% in tier
  • - Indirect Auto Dependency: Bottom 11.1% in tier
  • - Liquidity Overhang: Bottom 12.7% in tier
  • - Shrinking Wallet Share: Bottom 16.7% in tier
  • - Efficiency ratio 0.87% above tier (higher cost structure)
  • - Delinquency rate 0.13% above tier average
  • - Indirect Auto Concentration (%): Bottom 2.9% in tier
  • - AMR Growth Rate: Bottom 5.9% in tier
  • - Average Member Relationship (AMR): Bottom 5.9% in tier
  • - Loan-to-Member Ratio (LMR): Bottom 5.9% in tier
  • - Fee Income Per Member: Bottom 8.8% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Members 480,438
+2.3% YoY+0.7% QoQ
 +190.7K 289,724
-2.8% YoY
 27,533
+2.7% YoY
 33,089
+6.1% YoY
 Top 2.9% in tier
Assets $6.2B
+2.4% YoY-0.1% QoQ
 +$372.9M $5.8B
+0.2% YoY
 $405.5M
+5.4% YoY
 $547.7M
+7.8% YoY
 62nd in tier
Loans $3.5B
-1.5% YoY+0.2% QoQ
 $-621.5M $4.1B
-3.1% YoY
 $252.8M
+1.3% YoY
 $388.7M
+8.6% YoY
 Bottom 23.5% in tier
Deposits $5.1B
+2.3% YoY-0.7% QoQ
 +$197.3M $4.9B
+2.2% YoY
 $336.4M
+4.6% YoY
 $464.6M
+9.3% YoY
 68th in tier
ROA 0.9%
-38.7% YoY+8.6% QoQ
 +0.1% 0.8%
+15.5% YoY
 0.6%
+31.7% YoY
 0.7%
+273.4% YoY
 62nd in tier
NIM 3.6%
+2.6% YoY+1.7% QoQ
 +0.7% 2.9%
+3.9% YoY
 3.9%
+3.8% YoY
 3.7%
+5.0% YoY
 Top 14.7% in tier
Efficiency Ratio 69.0%
+12.1% YoY+0.5% QoQ
 +0.9% 68.1%
-1.7% YoY
 79.2%
-1.1% YoY
 79.1%
-3.3% YoY
 50th in tier
Delinquency Rate 0.8%
-21.4% YoY-9.5% QoQ
 +0.1 0.6%
-2.2% YoY
 1.1%
-4.2% YoY
 1.2%
-0.9% YoY
 68th in tier
Loan To Share 68.1%
-3.7% YoY+0.9% QoQ
 -15.6% 83.6%
-5.7% YoY
 71.1%
-2.1% YoY
 68.0%
-1.7% YoY
 Bottom 11.8% in tier
AMR $17,789
-1.6% YoY-1.0% QoQ
 $-17K $34,398
+4.0% YoY
 $17,893
+3.6% YoY
 $19,418
+1.3% YoY
 Bottom 2.9% in tier
CD Concentration 21.2%
-6.1% YoY-2.0% QoQ
 -7.7% 28.9%
-1.3% YoY
 23.2%
+1.7% YoY
 19.6%
+6.2% YoY
 Bottom 18.8% in tier
Indirect Auto % 39.4%
-4.9% YoY-1.1% QoQ
 +22.8% 16.6%
-10.3% YoY
 15.2%
-17.2% YoY
 7.9%
-2.9% YoY
 Top 6.2% in tier

Signature Analysis

Strengths (2)

Emerging Performer

growth
#17 of 31 • Top 18.4% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 0.90%
(Tier: 0.91%, National: 0.71%)
but worse than tier avg
Member Growth (YoY): 2.31%
(Tier: 3.07%, National: 9.37%)
but worse than tier avg
31 of 64 Large CUs have this signature | 852 nationally
→ Stable (27→31 CUs) +4 CUs YoY | Rank worsening

Organic Growth Engine

growth
#46 of 50 • Top 30.4% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 2.31%
(Tier: 3.07%, National: 9.37%)
but worse than tier avg
Return on Assets: 0.90%
(Tier: 0.91%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 39.38%
(Tier: 16.60%, National: 7.90%)
but worse than tier avg
50 of 64 Large CUs have this signature | 917 nationally
→ Stable (52→50 CUs) -2 CUs YoY | Rank worsening

Concerns (5)

Margin Compression

decline
#3 of 8 • Bottom 9.5% in tier

Strong profitability track record but margins eroding. Something changed - rising costs or falling yields need addressing.

Why This Signature
Return on Assets: 0.90%
(Tier: 0.91%, National: 0.71%)
worse than tier avg
ROA Change (YoY): -0.57% points
(Tier: 0.13% points, National: 0.05% points)
worse than tier avg
Total Assets: $6.17B
(Tier: $5.79B, National: $547.69M)
but better than tier avg
8 of 64 Large CUs have this signature | 169 nationally
→ Stable (8→8 CUs) | New qualifier

Cost Spiral

risk
#2 of 3 • Bottom 10.0% in tier

Historically lean operator now seeing efficiency ratio rise significantly. Efficiency advantage eroding - early intervention critical.

Why This Signature
Efficiency Ratio Change: 7.43% points
(Tier: -1.02% points, National: -1.81% points)
worse than tier avg
Efficiency Ratio (Prior Year): -
(Tier: -, National: -)
Total Assets: $6.17B
(Tier: $5.79B, National: $547.69M)
but better than tier avg
3 of 64 Large CUs have this signature | 80 nationally
→ No prior data (3 CUs now) | New qualifier

Indirect Auto Dependency

risk
#12 of 33 • Bottom 11.1% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 2.36%
(Tier: 4.60%, National: 3.04%)
worse than tier avg
Indirect Auto %: 39.38%
(Tier: 16.60%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 2.31%
(Tier: 3.07%, National: 9.37%)
worse than tier avg
33 of 64 Large CUs have this signature | 768 nationally
→ Stable (34→33 CUs) -1 CUs YoY | Rank worsening

Liquidity Overhang

risk
#8 of 24 • Bottom 12.7% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 14.15%
(Tier: 11.62%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 68.06%
(Tier: 84.48%, National: 67.96%)
worse than tier avg
24 of 64 Large CUs have this signature | 691 nationally
↑ Growing +7 CUs YoY

Shrinking Wallet Share

decline
#9 of 15 • Bottom 16.7% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -1.56%
(Tier: 2.82%, National: 4.19%)
worse than tier avg
15 of 64 Large CUs have this signature | 346 nationally
↓ Shrinking -6 CUs YoY | Rank worsening

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Comparing against 34 peers in tier

Top Strengths (5 metrics)

1
Total Members
engagement
Value: 480,438
Peer Avg: 289,725
#1 of 34 Top 0.0% in 5B-7B tier
2
First Mortgage Concentration (%)
balance_sheet
Value: 9.77%
Peer Avg: 37.88%
#2 of 34 Top 2.9% in 5B-7B tier
3
Net Worth Ratio
risk
Value: 14.15%
Peer Avg: 10.96%
#3 of 34 Top 5.9% in 5B-7B tier
5
Net Interest Margin (NIM)
profitability
Value: 3.62%
Peer Avg: 2.90%
#5 of 34 Top 11.8% in 5B-7B tier
6
Share Certificate Concentration (%)
balance_sheet
Value: 21.20%
Peer Avg: 30.59%
#6 of 34 Top 14.7% in 5B-7B tier

Top Weaknesses (9 metrics)

34
Indirect Auto Concentration (%)
balance_sheet
Value: 39.38%
Peer Avg: 14.61%
#34 of 34 Bottom 2.9% in 5B-7B tier
33
AMR Growth Rate
growth
Value: -1.56%
Peer Avg: 3.75%
#33 of 34 Bottom 5.9% in 5B-7B tier
33
Average Member Relationship (AMR)
engagement
Value: $17,789
Peer Avg: $34,398
#33 of 34 Bottom 5.9% in 5B-7B tier
33
Loan-to-Member Ratio (LMR)
engagement
Value: $7,204
Peer Avg: $15,308
#33 of 34 Bottom 5.9% in 5B-7B tier
32
Fee Income Per Member
profitability
Value: $147.07
Peer Avg: $213.89
#32 of 34 Bottom 8.8% in 5B-7B tier
30
Loan Growth Rate
growth
Value: -1.49%
Peer Avg: 5.95%
#30 of 34 Bottom 14.7% in 5B-7B tier
30
Loan-to-Share Ratio
balance_sheet
Value: 68.06%
Peer Avg: 83.64%
#30 of 34 Bottom 14.7% in 5B-7B tier
29
Deposit Growth Rate
growth
Value: 2.28%
Peer Avg: 8.13%
#29 of 34 Bottom 17.6% in 5B-7B tier
29
Net Charge-Off Rate
risk
Value: 0.94%
Peer Avg: 0.57%
#29 of 34 Bottom 17.6% in 5B-7B tier