TINKER
Charter #24524 · Oklahoma City, OK · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 484,290 ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 14.52% ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 3.97% ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- On Net charge-off ratio, the asset-size band puts this credit union at the 89th percentile but its structural peers at the 74th — a 15-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | TINKER | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $6.13B | 87th pct | 87th pct |
| Members | 484,290 | 93th pct | 89th pct |
| Net worth ratio | 14.52% | 91th pct | 87th pct |
| Return on average assets | 0.93% | 68th pct | 69th pct |
| Net interest margin | 3.97% | 87th pct | 87th pct |
| Cost of funds | 1.51% | 38th pct | 48th pct |
| Loan-to-share | 66.86% | 12th pct | 20th pct |
| Delinquency 60+ days | 0.69% | 57th pct | 49th pct |
| Net charge-off ratio | 1.13% | 89th pct | 74th pct |
| Loan growth YoY | 0.85% | 38th pct | 51th pct |
| Share growth YoY | 2.66% | 25th pct | 26th pct |
| Efficiency ratio | 71.20% | 45th pct | 51th pct |
structural peer set hash: cc8a276fd7c83c3399a5053252a5b018… (reproducible)
Closest structural peers
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.