Member appreciation days
At TFCU, we are always looking for ways to better connect with our members. Every year, we host exclusive member appreciation events in Oklahoma City
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Each year, I have the privilege of writing to you, the member-owners of Tinker Federal Credit Union, on behalf of the nearly 1,000 team members who work hard to take care of your financial needs all year long. Every day, we are focused on building a bright future for our financial cooperative. Preparing this report for you is a rewarding way to look back on the remarkable accomplishments over the last year and to reflect on what 481,250 members and employees can accomplish when we work together toward common goals.
At the top of the list of those accomplishments, here are a few with particularly strong impact on our members and communities:
In addition to these celebrations, I commend the talented team that guides TFCU’s financial management. As a not-for-profit financial cooperative, we understand the fine line we walk, returning generously to our members while simultaneously ensuring a strong level of capital, TFCU’s rainy day fund, during economic ups and downs. In 2025, TFCU produced healthy growth in both loans and shares while maintaining a strong net worth ratio of 14.47%. You’ll read more about this in the treasurer’s report.
You might ask how financial strength empowers TFCU to fulfill our mission. 2025 brought us a perfect opportunity through an extended federal government shutdown. On October 1, 2025, nearly 1.4 million federal employees nationwide went home from work not knowing it would be 43 days before they returned to their jobs. For many, that meant going three full pay cycles without income. While some had the resources to weather that uncertainty, many did not. For those in our communities, TFCU provided 688 zero-interest payroll replacement loans totaling more than $1.63 million. We also delivered generous skip-a-payment options, fee waivers, and financial workshops. Our assistance programs were featured by both local and national media, and TFCU was among the top search engine results for financial institutions doing the most to help federal employees. In all, it was a powerful opportunity for TFCU to prove why credit unions are different.
And, the credit union philosophy of people-helping-people didn’t stop there. In 2025, TFCU responded to help a small credit union in north Texas that needed a merger partner with a big heart for members and a staff skilled in operational excellence. We are celebrating those 1,892 new members of the TFCU family and continue to welcome them at the branch locations they call home in Denton and Cross Roads, Texas.
We love the work we do for you here at home, but we were also working hard for you in Washington, D.C. It was a busy year for proposed legislation that would control or change fees, rates and taxation. While many of these bills might sound appealing on the surface, they often come with unintended consequences that leave consumers like you footing the bill. Fortunately, we were able to navigate the disruption at the Capitol without disrupting the services we provide back home.
Having reflected on a successful 2025, it’s now time to look forward to 2026 and beyond. We have exciting developments coming your way. We’re working on an array of enhanced digital options, new branches and tools that will make it easier for your busy family to thrive financially.
Whether in my past career as an active-duty Marine, or in my current role as your president and CEO, it is always an honor to serve. On behalf of your credit union team, thank you for your membership, thank you for your loyalty and thank you for trusting TFCU.
Yours,
Dave Willis
President and CEO
Let’s check out some of the great accomplishments for 2025.
TFCU merged with LiFE Federal Credit Union on May 19, 2025, marking TFCU’s expansion into Texas and bringing together two member-focused credit unions with shared values, commitment to service and dedication to the communities through financial education, volunteer initiatives and community sponsorships.
“We are thrilled to welcome the new members from LiFE FCU to the TFCU family,” said Dave Willis, president and CEO. “As we come together through this merger, we want them to know how excited we are to serve and be part of their financial journey.”
LiFE FCU staff joined the TFCU team and will continue offering the same friendly service their members have come to know and trust.
TFCU gave back a total of $147,496.40 to 1,567 members in 2025 through our Great Member Give Back program. We enjoyed surprising our members with purchase reimbursements, matched deposits and loan payoffs.
The TFCU Foundation experienced a meaningful and productive year in 2025, dedicated to enhancing the lives of veterans and first responders through home accessibility improvements and the development of vital community resources. Through the Home Repair Program, we served 19 veterans, providing modifications that directly improved safety, independence and overall quality of life. Our impact was strengthened by 289 volunteers who contributed 883 hours of service throughout the year.
In addition, the TFCU Foundation awarded five local nonprofits, each serving veterans and first responders in the areas of mental health, suicide prevention, employment and housing with $3,000 grants. Altogether, the foundation invested $170,754 into Oklahoma’s veteran and first responder communities through both the Home Repair Program and the Shield and Service Grant.
At TFCU, we are always looking for ways to better connect with our members. Every year, we host exclusive member appreciation events in Oklahoma City and Tulsa.
On September 27, 2025, TFCU teamed up with nine other local credit unions to present a free country music concert featuring the reigning Country Music Awards and Academy of Country Music Duo of the Year, Brothers Osborne.
In July and December, TFCU hosted movie events for Heritage Club members and their grandchildren at Flix Brewhouse.
TFCU took a proactive approach by hosting a fraud awareness conference designed to help seniors protect themselves from increasing threats of fraud and scams.
We love being out in front of the community, so what better way to engage than by sponsoring and attending the Oklahoma State Fair?
The financial wellness team strengthened the Oklahoma 4‑H programming in 2025 by delivering hands‑on, age‑appropriate financial education that reached youth and the adults who guide them.
At TFCU, we are always looking for ways to better connect with our members. Every year, we host exclusive member appreciation events in Oklahoma City
On September 27, 2025, TFCU teamed up with nine other local credit unions to present a free country music concert featuring the reigning Country Music
In July and December, TFCU hosted movie events for Heritage Club members and their grandchildren at Flix Brewhouse. Members were invited to watch the Smurfs
TFCU presented a fraud awareness conference designed to help seniors protect themselves from increasing threats of fraud and scams. The conference brought in expert speakers,
We love being out in front of the community, so what better way to engage than by sponsoring and attending the Oklahoma State Fair? TFCU
The financial wellness team strengthened the Oklahoma 4‑H programming in 2025 by delivering hands‑on, age‑appropriate financial education that reached youth and the adults who guide
As I reflect on the past year, I am grateful for the trust you place in Tinker Federal Credit Union. On behalf of the seven members of the TFCU board of directors, I want to update you about our progress in 2025 for your member-owned financial cooperative. We take seriously the responsibility of guiding your credit union, keeping our focus on the well-being of our members and the communities we serve.
Throughout 2025, despite economic uncertainty and a federal government shutdown, our commitment to bolstering the financial well‑being of our members and communities remained steady. During the shutdown, we sought to offer stability and assistance to affected members, which included helping 424 members with zero-interest hardship loans totaling $1.63 million. We also donated to 21 nonprofit food banks and pantries across our communities for a total of $30,000, organized several financial wellness workshops for the public and supported members in other ways.
I was proud to see TFCU’s philosophy in action during this difficult period – our commitment to putting people first continued to guide every decision.
We know many families are still feeling the strain as prices remain high while many of our incomes haven’t risen at the same pace. While we can’t control the broader economy, we remain dedicated to equipping you with the tools and resources you need to confidently manage your finances.
In 2025 we built on recent progress to help you manage your accounts digitally. You can now get an instant decision when you apply for a credit card, along with updated card designs and rewards you can choose to fit your lifestyle. You can use your mobile device to apply for a real estate loan, check your application status, receive faster decisions and communicate from anywhere with a friendly loan officer. More than 360 of you have already taken advantage of this convenient new home loan application portal.
We also made it easier to connect with us in person. TFCU expanded into the Denton, Texas area and opened a new branch in Owasso, Oklahoma. The credit union also upgraded 10 ATMs with interactive teller machines (ITMs) in 2025, bringing our total ITMs to 66.
I commend the employees of Tinker Federal Credit Union for these accomplishments, and I applaud the way they exemplify TFCU’s mission to help you achieve your goals and realize your dreams. Additionally, I am proud of TFCU’s support of the work of the TFCU Foundation and of TFCU Financial Advisors, all striving to make a meaningful impact on our communities.
This year, reaffirmed something we have always believed: While financial services are our business, people remain our purpose. Your goals, your families, your businesses, your communities and your trust remain at the heart of every decision we make. As board chair, I get to champion digital and in-person strategies like these to meet your needs. Thank you for trusting TFCU. We will continue to protect your confidence in us with the care and service you expect.
Sincerely,
Eldon Overstreet
Chair, Board of Directors
Eldon Overstreet,
Chair
Rodney Walker,
Vice Chair
Sheila Jones,
Secretary
Al Rich,
Treasurer
James Pearl,
Assistant Secretary I
Scott White,
Assistant Secretary II
Tiffany Broiles,
Assistant Treasurer
TFCU has safeguarded members’ funds for nearly 80 years. This commitment continued in 2025 despite economic challenges such as elevated inflation and potential labor market fragility, which remained significant concerns for both consumers and businesses. During the year, the Federal Reserve moved toward a neutral monetary stance by reducing short-term interest rates by 75 basis points. While long-term rates also fell, their decline was less pronounced; the 10-year U.S. Treasury Note rate, which serves as a benchmark for mortgage rates, decreased by only 39 basis points. This steepening of the yield curve represents a return toward historical norms that usually indicate expectations of moderate economic growth and stable prices. The stock market performed strongly in 2025, driven by higher-income consumer spending and substantial investments in artificial intelligence technology and infrastructure, with the S&P 500 appreciating over 16%. Throughout these economic and market developments, TFCU maintained financial strength and stability.
The credit union completed 2025 with strong net income, resulting in a return on assets (ROA) ratio of 0.88% and a net worth ratio of 14.47%. These robust financial results mean TFCU will continue as a preferred financial institution for future generations and potential members in our communities.
Net income is necessary, even for a not-for-profit credit union, as it enables TFCU to build reserves required by federal regulations to cover potential losses. Credit unions call this “net worth” and are typically only able to build it by generating net income. Net worth requirements are based on the institutions’ size, so TFCU is only able to continue growing if we have net income. This growth allows us to continue providing members with valuable products and services, regardless of economic conditions.
TFCU continues to provide highly competitive rates and features to serve our members’ borrowing, saving and payment needs. Whether members need a home loan, vehicle financing, high-yield savings account or accessible checking account solutions, TFCU is eager and prepared to offer straightforward, effective options.
It is our honor to help you achieve your goals and realize your dreams.
Sincerely,
Al Rich
Treasurer, Board of Directors
The Supervisory Committee, along with the Board of Directors, represents the interest of the membership and is an integral part of the Tinker Federal Credit Union (TFCU) team. Appointed by the board, the committee has the responsibility of overseeing the protection of your assets. As members of that committee and as your representatives, we take very seriously our responsibilities to you as TFCU’s member-owners.
The committee employs a comprehensive approach involving both internal and external auditors to ensure the safety and soundness of the credit union. Each year, we review TFCU’s financial statements, operational procedures, information-system security and account verification processes, focused on areas that have the greatest potential for risk.
In 2025 the committee carried out a systematic audit strategy and worked together with the board and TFCU management to ensure compliance with federal regulations and implementation of any recommendations and improvements. These efforts ensure that TFCU continues its tradition of sound business operations, with a strong system of internal accounting, administrative controls and skilled management.
In summary, the membership can be proud of the management, operation and personal integrity of your credit union. You can be assured that the appropriate management practices and safeguards are in place to protect your assets.
Sincerely,
Jim Abbott
Chair, Supervisory Committee
Jim Abbott,
Chair
David Martin
Onekia Smallwood
Brian Watkins
Scott Freeman