TTCU

Charter #24887 | OK

1B-3B (304 CUs) Mid-Market (380 CUs)
4 1B-3B in OK

TTCU has 1 strength but faces 14 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Total Assets: Top 8.9% in tier

Key Concerns

Areas that may need attention

  • - Institutional Decline: Bottom 5.9% in tier
  • - Liquidity Overhang: Bottom 6.2% in tier
  • - Accelerating Exit Risk: Bottom 9.1% in tier
  • - Shrinking Wallet Share: Bottom 11.5% in tier
  • - Indirect Auto Dependency: Bottom 20.9% in tier
  • - Membership Headwinds: Bottom 22.6% in tier
  • - Stagnation Risk: Bottom 32.2% in tier
  • - ROA 0.42% below tier average
  • - Delinquency rate 0.63% above tier average
  • - Loan Growth Rate: Bottom 1.6% in tier
  • - Net Charge-Off Rate: Bottom 1.6% in tier
  • - Loan-to-Share Ratio: Bottom 5.9% in tier
  • - Loan-to-Member Ratio (LMR): Bottom 6.6% in tier
  • - AMR Growth Rate: Bottom 9.5% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Members 149,736
-1.8% YoY-0.1% QoQ
 +51.1K 98,678
-1.9% YoY
 27,533
+2.7% YoY
 33,089
+6.1% YoY
 Top 13.5% in tier
Assets $2.6B
+2.4% YoY+3.2% QoQ
 +$927.8M $1.7B
+0.5% YoY
 $405.5M
+5.4% YoY
 $547.7M
+7.8% YoY
 Top 9.2% in tier
Loans $1.3B
-11.9% YoY-1.6% QoQ
 +$19.4M $1.2B
+0.5% YoY
 $252.8M
+1.3% YoY
 $388.7M
+8.6% YoY
 62nd in tier
Deposits $2.1B
-0.5% YoY-1.2% QoQ
 +$665.8M $1.5B
+1.3% YoY
 $336.4M
+4.6% YoY
 $464.6M
+9.3% YoY
 Top 14.5% in tier
ROA 0.3%
-326.1% YoY-2.2% QoQ
 -0.4% 0.7%
+13.4% YoY
 0.6%
+31.7% YoY
 0.7%
+273.4% YoY
 Bottom 13.2% in tier
NIM 3.2%
+0.4% YoY+1.0% QoQ
 -0.1% 3.3%
+9.3% YoY
 3.9%
+3.8% YoY
 3.7%
+5.0% YoY
 40th in tier
Efficiency Ratio 66.1%
-4.8% YoY+0.4% QoQ
 -7.8% 74.0%
-10.9% YoY
 79.2%
-1.1% YoY
 79.1%
-3.3% YoY
 Bottom 20.1% in tier
Delinquency Rate 1.5%
-7.7% YoY-4.9% QoQ
 +0.6 0.8%
+6.1% YoY
 1.1%
-4.2% YoY
 1.2%
-0.9% YoY
 Top 11.5% in tier
Loan To Share 59.1%
-11.5% YoY-0.5% QoQ
 -26.1% 85.2%
-0.8% YoY
 71.1%
-2.1% YoY
 68.0%
-1.7% YoY
 Bottom 5.6% in tier
AMR $22,523
-3.3% YoY-1.2% QoQ
 $-7K $29,172
+2.8% YoY
 $17,893
+3.6% YoY
 $19,418
+1.3% YoY
 Bottom 17.8% in tier
CD Concentration 30.0%
-2.5% YoY+0.9% QoQ
 +1.0% 29.0%
+0.8% YoY
 23.2%
+1.7% YoY
 19.6%
+6.2% YoY
 56th in tier
Indirect Auto % 22.9%
-18.8% YoY-4.0% QoQ
 +4.1% 18.8%
-2.8% YoY
 15.2%
-17.2% YoY
 7.9%
-2.9% YoY
 64th in tier

Signature Analysis

Strengths (0)

No strengths identified

Concerns (7)

Institutional Decline

decline
#7 of 31 • Bottom 5.9% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature
Total Assets: $2.65B
(Tier: $1.72B, National: $547.69M)
but better than tier avg
Member Growth (YoY): -1.78%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
Loan Growth (YoY): -11.89%
(Tier: 6.14%, National: 36.38%)
worse than tier avg
31 of 380 Mid-Market CUs have this signature | 293 nationally
↓ Shrinking -6 CUs YoY | Rank improving

Liquidity Overhang

risk
#21 of 113 • Bottom 6.2% 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: 13.40%
(Tier: 11.30%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 59.07%
(Tier: 86.35%, National: 67.96%)
worse than tier avg
113 of 380 Mid-Market CUs have this signature | 691 nationally
↑ Growing +9 CUs YoY | Rank worsening

Accelerating Exit Risk

decline
#5 of 13 • Bottom 9.1% in tier

Members leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.

Why This Signature
Member Growth (YoY): -1.78%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
AMR Growth (YoY): -3.32%
(Tier: 3.04%, National: 4.19%)
worse than tier avg
13 of 380 Mid-Market CUs have this signature | 73 nationally
↓ Shrinking -8 CUs YoY | Rank improving

Shrinking Wallet Share

decline
#36 of 83 • Bottom 11.5% in tier

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

Why This Signature
AMR Growth (YoY): -3.32%
(Tier: 3.04%, National: 4.19%)
worse than tier avg
83 of 380 Mid-Market CUs have this signature | 346 nationally
↓ Shrinking -55 CUs YoY | Rank improving

Indirect Auto Dependency

risk
#130 of 202 • Bottom 20.9% in tier

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

Why This Signature
Asset Growth (YoY): 2.40%
(Tier: 5.36%, National: 3.04%)
worse than tier avg
Indirect Auto %: 22.89%
(Tier: 18.80%, National: 7.90%)
worse than tier avg
Member Growth (YoY): -1.78%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
202 of 380 Mid-Market CUs have this signature | 768 nationally
↓ Shrinking -7 CUs YoY | Rank worsening

Membership Headwinds

decline
#55 of 85 • Bottom 22.6% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -1.78%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
85 of 380 Mid-Market CUs have this signature | 648 nationally
↑ Growing +6 CUs YoY

Stagnation Risk

risk
#78 of 85 • Bottom 32.2% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 0.28%
(Tier: 0.71%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -1.78%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $22.5K
(Tier: $29.2K, National: $19.4K)
worse than tier avg
CD Concentration: 30.00%
(Tier: 28.98%, National: 19.60%)
worse than tier avg
85 of 380 Mid-Market CUs have this signature | 648 nationally
↑ Growing +6 CUs YoY

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 304 peers in tier

Top Strengths (6 metrics)

28
Total Assets
balance_sheet
Value: $2.65B
Peer Avg: $1.72B
#28 of 304 Top 8.9% in 1B-3B tier
38
First Mortgage Concentration (%)
balance_sheet
Value: 18.02%
Peer Avg: 34.01%
#38 of 304 Top 12.2% in 1B-3B tier
41
Total Members
engagement
Value: 149,736
Peer Avg: 98,678
#41 of 304 Top 13.2% in 1B-3B tier
44
Total Deposits
balance_sheet
Value: $2.12B
Peer Avg: $1.45B
#44 of 304 Top 14.1% in 1B-3B tier
46
Net Worth Ratio
risk
Value: 13.40%
Peer Avg: 11.44%
#46 of 304 Top 14.8% in 1B-3B tier
62
Efficiency Ratio
profitability
Value: 66.15%
Peer Avg: 73.97%
#62 of 304 Top 20.1% in 1B-3B tier

Top Weaknesses (10 metrics)

300
Loan Growth Rate
growth
Value: -11.89%
Peer Avg: 5.27%
#300 of 304 Bottom 1.6% in 1B-3B tier
300
Net Charge-Off Rate
risk
Value: 1.91%
Peer Avg: 0.60%
#300 of 304 Bottom 1.6% in 1B-3B tier
287
Loan-to-Share Ratio
balance_sheet
Value: 59.07%
Peer Avg: 85.19%
#287 of 304 Bottom 5.9% in 1B-3B tier
285
Loan-to-Member Ratio (LMR)
engagement
Value: $8,364
Peer Avg: $13,213
#285 of 304 Bottom 6.6% in 1B-3B tier
276
AMR Growth Rate
growth
Value: -3.32%
Peer Avg: 3.29%
#276 of 304 Bottom 9.5% in 1B-3B tier
270
Total Delinquency Rate (60+ days)
risk
Value: 1.46%
Peer Avg: 0.83%
#270 of 304 Bottom 11.5% in 1B-3B tier
265
Deposit Growth Rate
growth
Value: -0.48%
Peer Avg: 5.58%
#265 of 304 Bottom 13.2% in 1B-3B tier
264
Return on Assets (ROA)
profitability
Value: 0.28%
Peer Avg: 0.70%
#264 of 304 Bottom 13.5% in 1B-3B tier
252
Member Growth Rate
growth
Value: -1.78%
Peer Avg: 2.20%
#252 of 304 Bottom 17.4% in 1B-3B tier
250
Average Member Relationship (AMR)
engagement
Value: $22,523
Peer Avg: $29,172
#250 of 304 Bottom 18.1% in 1B-3B tier