TellerScore

Headquartered in Tulsa, Oklahoma, Ttcu Federal Credit Union is a federal credit union with $2.7B in total assets and $2.2B in member shares and deposits as of Q2 2026. It operates 20 offices. Its charter dates back to 1934.

Ttcu Federal Credit Union has a TellerScore of 73 out of 100 (strong) based on Q2 2026 data — higher than 70% of its 454 credit unions with $1 billion – $10 billion. Among 52 credit unions headquartered in Oklahoma, it ranks 23rd. Funding & liquidity contributes the most (100/100, 55% loans-to-deposits, 6% uninsured); loan quality contributes the least (50/100, 1.49%).

TellerScore · Q2 2026

Scorecard

Capital cushion85/100
Net worth ratio: 13.45%
Loan quality50/100
Loans 60+ days delinquent ÷ total loans: 1.49%
Earnings56/100
Return on assets (annualized): 0.91%
Funding & liquidity100/100
Loans ÷ shares: 55.1% · 6.0% uninsured
Problem-loan coverage89/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 5.62%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 4 points (69 → 73), mostly because the earnings component improved by 24 points.

TellerScore
616773Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202461
Q3 202463
Q4 202461
Q1 202566
Q2 202569
Q3 202568
Q4 202566
Q1 202673
Q2 202673
Net worth ratio
7.00%10.38%13.75%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202413.60%
Q3 202413.66%
Q4 202413.62%
Q1 202513.51%
Q2 202513.75%
Q3 202513.40%
Q4 202513.09%
Q1 202613.23%
Q2 202613.45%
Delinquent loans (60+ days)
1.32%1.60%1.89%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.55%
Q3 20241.58%
Q4 20241.89%
Q1 20251.46%
Q2 20251.54%
Q3 20251.46%
Q4 20251.56%
Q1 20261.32%
Q2 20261.49%
Return on assets
-0.29%0.31%0.91%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.29%
Q3 2024-0.13%
Q4 2024-0.08%
Q1 20250.03%
Q2 20250.29%
Q3 20250.28%
Q4 20250.25%
Q1 20260.76%
Q2 20260.91%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202673$2.7B13.45%1.49%0.91%55.1%
Q1 202673$2.7B13.23%1.32%0.76%55.7%
Q4 202566$2.7B13.09%1.56%0.25%57.0%
Q3 202568$2.6B13.40%1.46%0.28%59.1%
Q2 202569$2.6B13.75%1.54%0.29%59.3%
Q1 202566$2.6B13.51%1.46%0.03%60.0%
Q4 202461$2.6B13.62%1.89%-0.08%63.7%
Q3 202463$2.6B13.66%1.58%-0.13%66.7%
Q2 202461$2.6B13.60%1.55%-0.29%69.9%

454 peers · $1 billion – $10 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio13.45%
83rd
Problem loans1.49%
10th
Net charge-offs1.35%
5th
Return on assets0.91%
60th
Loans to deposits55.1%
96th
Uninsured deposits6.0%
80th
Loan-loss reserves0.00%
50th
Texas ratio5.6%
40th

Similar-size credit unions in Oklahoma

InstitutionScoreAssetsCapitalProblem loansCompare
Communication Federal Credit UnionCredit union Oklahoma City, OK68 out of 100, Moderate$2.4B11.8%1.24%vs
Weokie Federal Credit UnionCredit union Oklahoma City, OK74 out of 100, Strong$1.5B13.4%0.64%vs
Truity Federal Credit UnionCredit union Bartlesville, OK52 out of 100, Below average$1.3B8.8%0.75%vs
Tinker Federal Credit UnionCredit union Oklahoma City, OK83 out of 100, Strong$6.1B14.7%0.63%vs

Deposit insurance

Is my money safe at Ttcu Federal Credit Union?

Yes. Ttcu Federal Credit Union is a federally insured credit union (NCUA charter #24887). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 6.0% of shares and deposits ($131.4M) are above the $250,000 NCUA insurance limit, below the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 13.45%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

20 locations

Branches

Ttcu Federal Credit Union lists 20 offices in 14 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Ttcu Federal Credit Union reported 1,396 home-loan applications under HMDA (LEI 254900F8XCJE1G9OYR92): 993 originated ($129,295,000 total), 237 denied, and 87 withdrawn or closed by the applicant. Its denial rate on decided applications was 18.1%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Ttcu Federal Credit Union
Type
Federal credit union
NCUA charter #
24887
RSSD ID
508690
Primary regulator
NCUA
Established
1934
Headquarters
PO Box 4999, Tulsa, OK 74159
Employees
445

Quick answers

Ttcu Federal Credit Union: common questions

Is Ttcu Federal Credit Union NCUA insured?

Yes. Ttcu Federal Credit Union is a federally insured credit union (NCUA charter #24887). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Ttcu Federal Credit Union's TellerScore?

73 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Ttcu Federal Credit Union have?

20 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Tulsa

InstitutionScoreAssetsCapitalProblem loansCompare
First Bank of OwassoBank Owasso, OK93 out of 100, Very strong$639.3M15.7%0.01%vs
First BankBank Erick, OK93 out of 100, Very strong$118.0M14.2%0.27%vs
Saint Francis Employees Federal Credit UnionCredit union Tulsa, OK92 out of 100, Very strong$44.7M15.9%0.20%vs
The First National Bank and Trust Company of Broken ArrowBank Broken Arrow, OK89 out of 100, Very strong$269.5M16.4%0.14%vs
International Bank of CommerceBank Oklahoma City, OK88 out of 100, Very strong$1.6B15.5%0.66%vs
United Members Federal Credit UnionCredit union Tulsa, OK87 out of 100, Very strong$10.4M18.6%0.15%vs