BUILDING CONNECTING
Tinker Federal Credit Union
ANNUAL REPORT 2002
TINKER FEDERAL CREDIT UNION EXISTS TO HELP OUR MEMBERS ACHIEVE THEIR GOALS AND REALIZE THEIR DREAMS
TABLE OF CONTENTS President’s Report . . . . . . . . . . . . . . . . . . . . . . 1 Year in Review . . . . . . . . . . . . . . . . . . . . . . . . . 3 Board of Directors Report . . . . . . . . . . . . . . . . 7 Treasurer’s Report . . . . . . . . . . . . . . . . . . . . . . 9 Consolidated Financial Statements . . . . . . . 11 Supervisory Committee Report . . . . . . . . . . 13 Credit Committee Report . . . . . . . . . . . . . . . 15 Management . . . . . . . . . . . . . . . . . . . . . . . . . 17 Branches . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 19
PRESIDENT / CEO Michael D. Kloiber
PRESIDENT’S REPORT
Michael D. Kloiber PRESIDENT / CEO
I have never doubted that every cloud has a silver lining and 2002 proved me right. It was a year full of clouds, both domestic and international, and yet Tinker Federal Credit Union (TFCU) had perhaps our best year in the history of the credit union. We saw excellent results in all of the areas used to measure a credit union’s success. Despite historic low interest rates, members brought more and more of their hard-earned money to the credit union as the stock market continued its roller coaster ride and left investors looking for a safe haven. The result was share growth of almost 10 percent that helped drive total assets up to over $1.17 billion. Those historic low rates proved to be great news to borrowers and a challenge for TFCU. Auto manufacturers, desperate for sales, offered zero percent financing to the most qualified borrowers. Many consumers were willing to give up sizable rebates for the low payments. TFCU responded with the lowest rates we could prudently offer, and we worked hard to show members that taking the rebate and financing through the credit union was the smart way to go. We also mailed tens of thousands of pre-approved loan checks in an effort to make borrowing from the credit union easier than ever. As 2002 came to a close, TFCU had realized loan growth of over six percent. As rates continued their downward slide, the credit union’s Asset, Liability and Finance Committee worked hard to manage share and loan rates. We focused on offering the best return to members, while also providing equity growth through a strong net income to ensure the safety and soundness of your credit union. I am proud to report that despite our rapid growth in 2002, TFCU’s equity position has never been stronger. A strong equity position is vital as we enter 2003 with the same clouds on the horizon that we faced at the beginning of 2002. While balancing the financial challenges of the credit union, we did not forget the service and product aspect of our mission. TFCU remained dedicated to helping each of you achieve your goals and realize your dreams through several new and improved products and facilities. We made changes to the pre-approved letter check mentioned earlier and implemented Acquire Select, another pre-approval service, all in an effort to speed up the loan approval process. On the shares side, we implemented Courtesy Pay, a new overdraft protection service, to help avoid returned checks. 1
MOMENTUM “... despite our rapid growth in 2002, TFCU’s equity position has never been stronger.”
TFCU has also partnered with several area credit unions to provide a network of over 70 surcharge-free ATMs. Look for the ATM ZoneTM logo on ATMs in the Oklahoma City and Tulsa metro areas to take advantage of this new service. Our plan is to have ATM Zone machines strategically placed throughout Oklahoma. Improvements to our facilities included upgrading the ATMs at the Midwest City Branch and at the Chapel on Tinker Air Force Base. We have also begun construction to add a drive-through facility at our Area A Branch on Tinker Air Force Base. In addition to these improvements, we opened two new branches – one in Tulsa and the other in Bethany. The Bethany Branch is unique because it is also the first “outlet” for Oklahoma Credit Union Shared Services. Construction also started on a replacement branch in Shawnee. So, you can see, we continued to strive to meet all your financial services needs. For complete results from 2002, you can find the details in the financial section of this annual report. The bottom line is this: Your credit union is stronger than ever and well prepared to be there for you in 2003 and for many decades to come. I appreciate your continued support and confidence in TFCU and me. Respectfully
2
BUILDING In 2002, TFCU opened new branches in Tulsa and Bethany.
YEAR IN REVIEW
2002 Achievements
BRICKS AND MORTAR ADD PERSONAL TOUCH IN TULSA TFCU members in the Tulsa area who had been accustomed to conducting their financial business with us via phone, mail and electronic services now have a more personal option. They can come into our new Tulsa branch and enjoy a cup of coffee while they sit at a PC and check our rates, get car values or watch a demonstration on our convenient online features. The Personal Finance Café is one of the new features of this 3,000-square-foot branch, located at 8321 E. 61st Street. The Tulsa branch, which opened in September, was designed to make conducting business with us a speedy, pleasant and convenient experience.
TFCU GETS AN A+ FOR SERVICE
From inside our new Tulsa Branch, members enjoy the modern decor and
At about the same time Tulsa was getting to know us better, Bethany residents and friendly, personal service students at Southern Nazarene University were taking advantage of our new Bethany branch, which opened August 5. At the request of another credit union that was moving out of Oklahoma, we moved into their existing building directly across from Southern Nazarene University at 6750 N.W. 39th, offering a multi-level service unlike any other in the state. While operating the Bethany branch for our members, we also offer a Credit Union Service Center for members of other participating credit unions. Students accustomed to conducting their financial business there didn’t miss a beat, and our members in the area began saving a little wear and tear on their tires.
WE’RE ZONED IN ON SAVINGS Last year, TFCU and nine other Oklahoma credit unions formed a coalition – the ATM Zone – to offer more than 70 no-surcharge ATMs. All 10 agreed to waive surcharges on ATM transactions for members of participating credit unions. A surcharge is a fee, usually from $1.00 to $2.50, charged by the owner of an ATM simply to use the machine. TFCU members can identify ATM Zone machines by the logo posted on each machine. A complete list of participating ATMs is available online at www.tinkerfcu.org or at any branch. 3
NO TEASING! TFCU HAS GONE PLATINUM While other credit cards may offer enticing but short-term “teaser” rates, TFCU offers solid value. Take our new Visa Platinum card, for instance. This card, which we added to our already impressive line-up in 2002, offers our members a low fixed rate, lower than average fee structure, and added benefits. For even more value to our members, we added CU Rewards, a program that allows our credit card holders to accumulate points for a wide variety of merchandise. We also increased lines of credit for By the end of 2002, 1638 TFCU qualifying members, who took advantage of our low rates to transfer balances totaling $967,908, and we gained 1,963 new credit card holders by offering pre-approved credit members had taken advantage of the new VISA Platinum card. cards to members. Our credit card benefits don’t just tease, they deliver.
IMPROVING OUR IMAGE TFCU began the process in 2002 of setting up a structure to change loan paperwork and share documents to electronic images. Once we have all documents saved as e-documents, employees will have electronic access to required paperwork when serving a member. No more calling a second party within the credit union to retrieve the documents. This fingertip access will result in faster, more efficient service to members.
SERVING THE UNDERSERVED TFCU was pleased to offer credit union services to Seminole and Pontotoc counties, when it was determined by the National Credit Union Administration (NCUA) that those were underserved areas. With the approval of those charters by the NCUA, all people who live, work, worship or attend school in Seminole county or Pontotoc county became eligible for TFCU membership. 4
CONNECTING TFCU members, volunteers and employees donated over $75,000 to help those in need in our community.
YEAR IN REVIEW
2002 Achievements
ACTIONS SPEAK LOUDER THAN WORDS TFCU was proud to receive the Louise Herring Award last year from the Oklahoma Credit Union League. This award goes to the credit union that demonstrates its commitment to the practical application of the “People Helping People” philosophy through “extraordinary and exemplary efforts to serve members on a consistent basis.” We were recognized for the variety of educational seminars about personal finances that we regularly offer free to service men and women at Tinker Air Force Base. Many of these young people are away from home for the first time, and our purpose with these seminars is to help them learn to manage money wisely and avoid burdonsome debt.
A GREAT SERVICE WE HOPE YOU NEVER HAVE TO USE
TFCU branch manager, Lisa MartinezLeeper, speaks to military personnel about the benefits of staying out of debt.
That’s right. We have our members covered for life’s little surprises and miscalculations that can catch even the most diligent off guard. Courtesy Pay, our new overdraft protection service, keeps our members from suffering the embarrassment and additional merchant charges of checks returned due to insufficient funds. We began offering this service in September to all members with checking accounts in good standing. There is no charge for Courtesy Pay unless you have to use it.
COMMITMENT TO COMMUNITY
2002 Miracle Car Show 5
TFCU members played a big role in our efforts to support Oklahoma organizations that make life better for Oklahoma children. In 2002, members and employees donated over $45,000 to Children’s Miracle Network and the Children’s Medical Research Foundation. All funds raised in Oklahoma stay in Oklahoma to improve medical care for our children. The 2002 Miracle Car Show, just one of TFCU’s many fundraisers for Children’s Miracle Network, was a resounding success with 152 entries. This popular car show raised over $3,900. A dunk tank, male hula dancer complete with grass skirt and coconuts, various breakfast and
Tyler Hale poses next to his award-winning race car at TFCU’s 2002 Miracle Car Show.
lunch events and paper “sneaker” sales at the branches helped us raise over $17,000 for the Oklahoma chapter of the Juvenile Diabetes Research Foundation last year. Those funds go to support medical research on juvenile diabetes. TFCU employees also show their generosity each year by participating in the Combined Federal Campaign. Funds raised in this campaign go to a variety of non-profit organizations in Oklahoma. In 2002, our employees pledged $30,355 to help meet the needs in our communities.
BE OUR GUESTS We loved hosting the 2002 Midwest Defense Credit Union Sub-Council Conference held in Oklahoma City last year. TFCU employees coordinated the entire event, provided speakers and entertainment for the conference, and arranged for a sight-seeing excursion for out-of-town guests. Seven credit unions were represented at this annual event. TFCU has been a member of the Defense Credit Union Council since its establishment in 1963.
IT’S NOT ALL ABOUT WORK Although we stayed very busy in 2002, completing a total of 4,662,501 branch transactions for our members, we still took time out to play. And how do you make play even better? Make it FREE! That’s exactly what we did, sharing free tickets with members who helped us pack the park in June for an action-packed RedHawks vs. Colorado game. Our members got in on the action, too. One young member threw out the first pitch, a TFCU employee sang the National Anthem and others participated as ball shaggers, bat child, Rowdy Race participant, fan of the game and the Sonic Field of Dreams team. TFCU sold half-price adult tickets to members and also offered free children’s tickets to Balloon Fest in 2002. This popular event was held at Wiley Post Airport. Members also had the opportunity to purchase discount tickets at TFCU’s off-base branches for Aerospace America 2002, which was held on Father’s Day weekend at Will Rogers World Airport. TFCU’s Mobile Service Center staff was on-hand, handing out free sun visors and offering a surcharge-free ATM for all attendees.
Dezmon Beltran and Moola Moola warm up for the Redhawks game. 6
TFCU BOARD OF DIRECTORS (standing) Marie Bowling, Chair; Bill A. Watkins; Gary E. Sawyer; Sheila Jones; Eldon W. Overstreet; (sitting) Altheda M. Anderson; Mark Thornton
BOARD OF DIRECTORS REPORT
Marie Bowling CHAIR
As I reflect on 2002, I am struck by images of an uncertain economy and a struggling stock market. This is an environment that can make even the most risk-tolerant investors more than a little nervous. Americans are taking their financial concerns seriously and re-evaluating the service providers who manage their hard-earned money. In times like these, it is comforting to know your credit union is still a safe-haven for your financial business, as strong and stable as ever before. During my tenure on TFCU’s Board, I have had the privilege to work with one of the most effective credit union management teams I’ve seen anywhere, and 2002’s financial performance is proof. If you have a knack for reading financial documents, I encourage you to review those on the following pages. If not, I can summarize all those numbers with one statement: TFCU is stronger now than it has ever been. That means two things for you. First, you are a member-owner, and your money is being managed by some of the best in the business. Second, TFCU is in a better position now than ever before to weather whatever storms may come our way, ensuring we will always be your safe financial harbor. This unprecedented financial strength is the product of responsible growth and efficient operations. TFCU share balances grew by over $92 million, particularly as a result of continued stock market volatility. Correspondingly, loan balances grew by over $42 million, as the credit union continued to develop new ways to simplify loan delivery while ensuring loan quality. When all was said and done, TFCU finished the year with $1.17 billion in assets. 7
STRENGTH “TFCU is in a better position now than ever before to weather whatever storms may come our way.”
For those of you keeping track, that amounts to a 10 percent rate of growth. This is the type of growth that enables TFCU to open new facilities, like our new branches in Bethany and Tulsa, to accommodate our members. This growth lets us continue to bring you new financial products like Visa Platinum, Courtesy Pay and the CU Rewards program. And, this growth lets us continue to upgrade and expand the level of technology behind the day-to-day management of your money. TFCU members, employees and volunteers are people in your own community—in many cases they are your friends, neighbors and co-workers. We understand that being your credit union means more than just providing financial services. I am proud to report that, even in these uncertain times, TFCU is enthusiastic in its support of those who are less fortunate. In addition to the array of charitable and civic organizations TFCU supports, our members and employees donated over $17,000 to the Juvenile Diabetes Research Foundation and over $45,000 to Children’s Miracle Network, an organization that funds children’s medical research in Oklahoma. TFCU employee contributions to the Combined Federal Campaign reached over $30,000. I know I speak for my fellow volunteers when I say I have never been more proud to participate in the direction of your credit union. We work with one of the finest management and employee teams in the industry, and our hats are off to them for this organization’s performance. But, most of all, we extend our appreciation to you, our members, for your trust and loyalty. With your continued support, we look forward to an equally successful 2003. Respectfully
8
68 6 $
64 3 $
60 9
59 6
$
02
$
01
$
00
98
99
00
01
02
MILLIONS
MILLIONS 99
66 2
1, 04 6 $
95 3 $
86 7 $
85 0 $
83 7 $ 98
SHARES
TREASURER’S REPORT
LOANS
Eldon W. Overstreet TREASURER
The year 2002 will be remembered as a record-breaking year for the U.S. economy. The Federal Funds rate ended the year at a 40-year low of 1.25 percent. Consequently, we saw incredibly low interest rates this past year. The stock and bond markets also had their own record lows. While some economic indicators suggested we had really reached the bottom, the threat of war and terrorist attacks kept the economy in an uproar. TFCU members found a safe haven for their money at the credit union. With competitive rates, convenience and security, shares grew over $92 million. This tremendous share growth pushed total assets over $1.17 billion. This growth could only happen through your confidence in the credit union. We are very proud to be able to meet your needs with basic share accounts, five types of checking accounts, two types of money market accounts and a full range of regular and IRA share certificates. Lower rates were great news for the borrowers in the TFCU family. In addition to offering the best rates in years, TFCU concentrated on making loans more convenient with fast, friendly service. The members responded with $42.6 million in loan growth. That number is even more amazing when you consider we average $37 million in principal repayments each month. That means we have to make $37 million in new loans every month just to break even. 9
“... tremendous share growth pushed
GROWTH
total assets over $1.17 billion. This growth could only happen through
15 9
15 9
16 2
16 6
98
99
00
01
02
MILLIONS
THOUSANDS
16 2
1, 17 5 $
1, 0 6 0 $
95 9 $
94 8 $
$
91 5
your confidence in the credit union.�
98
99
00 ASSETS
01
02
MEMBERSHIP
In a time of record bankruptcies, delinquent loans ended the year at .61 percent with net charge offs at .48 percent. These numbers demonstrate excellent loan quality. Thank you, members, for making our loan program such a success! In a low-rate environment, it is easier to ensure that earnings on loans will be sufficient to pay dividends on deposits and pay for the operation of the credit union. As a result of this phenomenon, we ended the year with $16 million in net income. This income made the credit union stronger than ever, as indicated by our net worth ratio, the best signal of the strength of our capital base. We ended the year at 9.14 percent. This is the first time TFCU has been over 9 percent since we began tracking this ratio. Our employees worked hard to keep costs down while maintaining great service. New technology and vendor relationships also helped to curb costs and improve service functions. But, the core of our success is from dedicated members like you. You bring your share and loan needs to the credit union. You keep collection costs down by making your payments on time. In return, you benefit as the credit union passes on savings in the form of higher dividends, lower interest rates and lower fees. Remember, we never pay director fees or stockholder dividends. Our income goes back to you, the member-owners, or is added to our capital base so the credit union can remain strong for future generations. Respectfully
10
CONSOLIDATED STATEMENTS
of Financial Condition for the Years Ended December 31, 2002 and 2001
TINKER FEDERAL CREDIT UNION ASSETS 2002 Cash and cash equivalents Investments Trading Available-for-sale Held-to-maturity Other Loans to members, net of the allowance for loan losses Accrued interest receivable Property and equipment National Credit Union Share Insurance Fund deposit Other assets
$
60,045,146
2001 $
48,449,412
493,106 370,417,116 18,754,064 3,457,939 678,093,009 6,828,828 22,031,323 9,407,615 5,681,006
527,185 306,922,825 23,041,016 6,843,329 635,456,364 7,143,957 20,495,264 8,717,569 2,777,866
$ 1,175,209,152
$ 1,060,374,787
LIABILITIES AND MEMBERS’ EQUITY Liabilities Members’ shares Accrued expenses and other liabilities Total liabilities
$ 1,045,571,536 13,258,462
$
953,257,921 11,132,811
1,058,829,998
964,390,732
106,581,846 9,797,308
90,120,868 5,863,187
116,379,154
95,984,055
$ 1,175,209,152
$ 1,060,374,787
Commitments and contingent liabilities Members’ Equity Retained earnings, substantially restricted Accumulated other comprehensive income Total members’ equity
11
CONSOLIDATED STATEMENTS
of Income for the Years Ended December 31, 2002 and 2001
TINKER FEDERAL CREDIT UNION
INTEREST INCOME Interest on loans to members Interest on investments and cash equivalents
2002
2001
$ 50,406,950 19,271,632
$ 51,234,241 20,332,595
69,678,582
71,566,836
25,257,124
33,041,274
44,421,458
38,525,562
3,300,000
2,990,122
NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES
41,121,458
35,535,440
NON-INTEREST INCOME
15,334,485
12,770,967
56,455,943
48,306,407
21,412,739 16,828,088 1,754,138
19,772,788 16,589,490 1,830,312
39,994,965
38,192,590
$ 16,460,978
$ 10,113,817
INTEREST EXPENSE Dividends on members’ shares NET INTEREST INCOME PROVISION FOR LOAN LOSSES
GENERAL AND ADMINISTRATIVE EXPENSES Salaries and benefits Operations Occupancy
NET INCOME
For a complete copy of Tinker Federal Credit Union’s audited consolidated financial statements with accompanying notes, please contact our Member Service Center at (405) 319-2255; (918) 592-0324, ext. 2255; or 1-800-456-4828, ext. 2255.
12
TFCU SUPERVISORY COMMITTEE (left to right) Tim Lowell, Rodney C.Walker, and James P. Pearl, Chair
SUPERVISORY COMMITTEE REPORT
James P. Pearl CHAIR
The Supervisory Committee is appointed by Tinker Federal Credit Union’s elected Board of Directors to ensure adherence to established policies and procedures. The committee works with the credit union’s management, Board of Directors and the Internal Audit Department to ensure all activities are conducted in accordance with generally accepted accounting standards. We report the results of our activities to the Board of Directors for their review and, if necessary, corrective action. 13
STABILITY TFCU proudly recognizes our volunteer Supervisory Committee for their combined 63 years of service to our members.
This year, the committee contracted with McGladrey and Pullen, LLP to perform the year-end audit. The results of their audit, along with financial statements, are available at any TFCU branch or by calling TFCU’s Member Service Center. The committee members have enjoyed serving you, our members, over the last year, and we wish to thank all TFCU team members for their cooperative efforts in 2002. Respectfully
14
TFCU CREDIT COMMITTEE (left to right) Steve Davis; Elizabeth Armstrong-Boldien; Joseph G. Donovan, Chair; and CMSgt. Retired Deborah L. Bates; (not shown) Tony Borrego
CREDIT COMMITTEE REPORT
Joseph G. Donovan CHAIR
Tinker Federal Credit Union enjoyed the privilege of helping thousands of our member-owners with their loans in 2002. Rates at 40-year lows enabled our borrowers to get the credit they needed at the most affordable rates since many of them were born. In fact, over 1,100 members chose their credit union for mortgage loans last year. Nearly 80 percent of those were refinanced mortgages. Collectively, this will save those members thousands of dollars every year. The Credit Committee is comprised of three elected volunteers and two alternates who meet weekly to perform loan audits, resolve appeals and review loan policies and performance data. Our primary responsibility is to ensure all loans are made using fair, sound and equitable lending practices. Based on member inquiries, 150 loans were reviewed by the committee in 2002. 15
SHELTER “over 1,100 members chose their credit union for mortgage loans last year.�
Fortunately, the committee was able to approve nearly two-thirds of those loans. Your Credit Committee is responsible for developing lending policies which have enabled TFCU to bring you new services like the new Visa Platinum card and pre-approved lettercheck loans. TFCU has also been hard at work behind the scenes, installing technology that makes applying for a loan faster and easier. And, in the next few months, TFCU members will be able to apply for a loan and receive a response to their application online. The Credit Committee is proud to have served the members of Tinker Federal Credit Union in 2002, and we thank the volunteers, management and employees for their continued support. Respectfully
16
NAVIGATION
“...your money is being managed by some of the best in the business...TFCU is in a better position now than ever before to weather whatever storms may come our way, ensuring we will always be your safe financial harbor.” — Marie Bowling, Chair, TFCU Board of Directors
SENIOR MANAGEMENT Standing: Patrick J. Yager, Vice President/Internal Audit Ben Mannahan, Vice President/Project Management Phillip L. Freeland, Senior Vice President of Corporate Quality Christie A. Porter, Vice President/Compliance Michael D. Kloiber, President/Chief Executive Officer Linda K. Ellis, General Counsel Byron Brakhage, Executive Vice President/Chief Information Officer 17
Billie Houston, Executive Vice President/Chief Financial Officer Gary Bartley, Executive Vice President/Chief Administration Officer Sitting: Matthew B. Stratton, Senior Vice President of Marketing N. Kitty Casey, Senior Vice President of Operations Richard Conley, Senior Vice President of Lending Brenda Peddycoart, General Manager/Supervisory Principal, Specialized Investments Services
BRANCH & DEPARTMENT MANAGERS Jan Brown, Asst. VP/Branch Manager, C-2, TAFB
Lisa Martinez-Leeper, Asst. VP/Branch Manager, Area A, TAFB
Kathy Burton, Asst. VP/Branch Manager, Vance AFB
Mike Moccia, Asst. VP/Manager of Special Services
Bob Chadick, Asst. VP/Branch Manager, Northwest OKC
David Moore, Asst. VP/Manager, Mobile Service Center
Susan Cummings, Asst. VP/Branch Manager, Edmond
Anita Murrow, Asst. VP/Branch Manager, Enid
Janice Edwards, Asst. VP/Branch Manager, Midwest City
Angie Nichols, Asst. VP/Branch Manager, Member Service Center
SENIOR MANAGEMENT R.B. Broyles, Asst. VP/Manager of Collections
Donna Haines, Asst. VP/Manager of Central Lending Joan Higbee, Asst. VP/Branch Manager, Southwest OKC Cindy Jones, Asst. VP/Branch Manager, C-1, TAFB Sheila Kautz, Asst. VP/Manager of Support Operations Kathy Kelso, Controller Stanley Luke, Asst. VP/Systems Manager Troy Martens, Asst. VP/Manager of Mortgage Lending
Lisa Peacock, Asst. VP/Branch Manager, Tulsa Susan Rogers, Asst. VP/Director of Human Resources Margaret Scallorn, Asst. VP/Branch Manager, Shawnee Alan Schaefer, Asst. VP/Card Center Manager Teri Warren, Asst. VP/Branch Manager, Norman Cherlynn Waymire, Manager, Credit Administration Grant Woldum, VP/Systems Services 18
BRANCHES Bethany 6750 N.W. 39th, Bethany, OK 73008
Oklahoma City, Southwest Drive-Thru 1200 S.W. 89th, Oklahoma City, OK 73159
Edmond 1401 N. Kelly, Edmond, OK 73003
Shawnee 1940 N. Harrison, Shawnee, OK 74804
Enid 801 S. Oakwood, Enid, OK 73703
Tinker AFB, Area A Bldg. 420, TAFB, OK 73145
Midwest City 6501 Tinker Diagonal, Midwest City, OK 73110
Tinker AFB, Area C-1 North Bldg. 3001 Post Y-92, TAFB, OK 73145
Moore 1955 N. Moore Ave., Moore, OK 73160
Tinker AFB, Area C-2 South Bldg. 3001 Post Y-32, TAFB, OK 73145
Norman 301 36th Ave. N.W., Norman, OK 73072
Tulsa 8321 E. 61st, Tulsa, OK 74133
Oklahoma City, Northwest 4626 N.W. 39th, Oklahoma City, OK 73122
Vance Air Force Base 234 Fields Street, Vance AFB, OK 73705
Oklahoma City, Southwest 9601 S. Pennsylvania, Oklahoma City, OK 73159 19
P.O. Box 45750 Tinker Air Force Base, OK 73145-0750 405/732-0324 • 800/456-4828 • 918/592-0324 www.tinkerfcu.org
Equal Opportunity Employer M/F/D/V ©2003 Tinker Federal Credit Union TinkerToys are a trademark of Hasbro ©2003
Each member account federally insured to $100,000 by the National Credit Union Administration.
BUILDING CONNECTING ©2003 Tinker Federal Credit Union