Side-by-side · Q2 2026 data
International Bank of Commerce vs True Sky Federal Credit Union
Credit union
True Sky Federal Credit Union
Oklahoma City, Oklahoma · $100 million – $1 billion
Metric by metric
| Measure | International Bank of Commerce | True Sky Federal Credit Union |
|---|---|---|
| TellerScore | 88 (stronger) | 48 |
| Capital cushion | 100 (stronger) | 13 |
| Loan quality | 78 (stronger) | 68 |
| Earnings | 75 (stronger) | 29 |
| Funding & liquidity | 90 (stronger) | 88 |
| Problem-loan coverage | 96 (stronger) | 78 |
| Peer percentile | 98th | 4th |
| Total assets | $1.6B | $778.4M |
| Deposits / shares | $1.2B | $715.3M |
| Capital ratio | 15.53% (stronger) | 6.35% |
| Problem loans | 0.66% (stronger) | 0.96% |
| Net charge-offs | 0.25% (stronger) | 0.74% |
| Return on assets | 1.37% (stronger) | 0.23% |
| Loans ÷ deposits | 54.8% (stronger) | 72.4% |
| Uninsured deposits | 24.2% | 7.9% (stronger) |
| Offices | 41 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
International Bank of Commerce has the higher TellerScore (88 vs 48). On the 7 directional measures above (where higher or lower is clearly better), International Bank of Commerce leads on 6 and True Sky Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.