TellerScore

Headquartered in Oklahoma City, Oklahoma, True Sky Federal Credit Union is a federal credit union with $778.4M in total assets and $715.3M in member shares and deposits as of Q2 2026. It operates 10 offices. Its charter dates back to 1946.

Based on its Q2 2026 filing, True Sky Federal Credit Union scores 48/100, which we describe as below average. That is higher than only 4% of 1,341 credit unions with $100 million – $1 billion. Among 52 credit unions headquartered in Oklahoma, it ranks 49th. Its strongest component is funding & liquidity (88/100; 72% loans-to-deposits, 8% uninsured), and its lowest is capital cushion (13/100; 6.35%).

TellerScore · Q2 2026

Scorecard

Capital cushion13/100
Net worth ratio: 6.35%
Loan quality68/100
Loans 60+ days delinquent ÷ total loans: 0.96%
Earnings29/100
Return on assets (annualized): 0.23%
Funding & liquidity88/100
Loans ÷ shares: 72.4% · 7.9% uninsured
Problem-loan coverage78/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 10.83%

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 3 points (45 → 48), mostly because the earnings component improved by 14 points.

TellerScore
364248Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202437
Q3 202439
Q4 202436
Q1 202541
Q2 202545
Q3 202545
Q4 202546
Q1 202647
Q2 202648
Net worth ratio
5.85%6.42%7.00%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20246.52%
Q3 20246.40%
Q4 20246.32%
Q1 20256.03%
Q2 20255.91%
Q3 20255.85%
Q4 20256.08%
Q1 20266.09%
Q2 20266.35%
Delinquent loans (60+ days)
0.74%1.04%1.33%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.26%
Q3 20241.08%
Q4 20241.33%
Q1 20251.24%
Q2 20250.82%
Q3 20250.79%
Q4 20250.91%
Q1 20260.74%
Q2 20260.96%
Return on assets
-1.49%-0.63%0.23%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-1.49%
Q3 2024-1.39%
Q4 2024-1.24%
Q1 2025-0.01%
Q2 2025-0.11%
Q3 2025-0.13%
Q4 20250.02%
Q1 2026-0.04%
Q2 20260.23%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202648$778.4M6.35%0.96%0.23%72.4%
Q1 202647$797.0M6.09%0.74%-0.04%72.0%
Q4 202546$799.2M6.08%0.91%0.02%74.2%
Q3 202545$819.0M5.85%0.79%-0.13%73.8%
Q2 202545$822.4M5.91%0.82%-0.11%73.8%
Q1 202541$832.7M6.03%1.24%-0.01%70.1%
Q4 202436$813.0M6.32%1.33%-1.24%74.7%
Q3 202439$829.5M6.40%1.08%-1.39%80.4%
Q2 202437$850.8M6.52%1.26%-1.49%81.1%

1,341 peers · $100 million – $1 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 ratio6.35%
0th
Problem loans0.96%
32nd
Net charge-offs0.74%
18th
Return on assets0.23%
12th
Loans to deposits72.4%
56th
Uninsured deposits7.9%
30th
Loan-loss reserves0.00%
50th
Texas ratio10.8%
11th

Similar-size credit unions in Oklahoma

InstitutionScoreAssetsCapitalProblem loansCompare
Oklahoma Central Credit UnionCredit union Tulsa, OK83 out of 100, Strong$760.2M13.9%0.24%vs
Oklahoma'S Federal Credit UnionCredit union Oklahoma City, OK77 out of 100, Strong$954.5M12.6%0.25%vs
Westreet Federal Credit UnionCredit union Tulsa, OK38 out of 100, Low$966.8M9.6%2.77%vs
Fort Sill Federal Credit UnionCredit union Lawton, OK70 out of 100, Strong$394.2M11.6%1.12%vs
Allegiance Federal Credit UnionCredit union Oklahoma City, OK66 out of 100, Moderate$372.5M9.7%0.71%vs
Oklahoma Educators Credit UnionCredit union Oklahoma City, OK72 out of 100, Strong$305.2M11.3%0.51%vs

Deposit insurance

Is my money safe at True Sky Federal Credit Union?

Yes. True Sky Federal Credit Union is a federally insured credit union (NCUA charter #24934). 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 7.9% of shares and deposits ($56.4M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 6.35%, below the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

10 locations

Branches

True Sky Federal Credit Union lists 10 offices in 8 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
True Sky Federal Credit Union
Type
Federal credit union
NCUA charter #
24934
RSSD ID
535593
Primary regulator
NCUA
Established
1946
Headquarters
P.O. Box 26406, Oklahoma City, OK 73126
Employees
148

Quick answers

True Sky Federal Credit Union: common questions

Is True Sky Federal Credit Union NCUA insured?

Yes. True Sky Federal Credit Union is a federally insured credit union (NCUA charter #24934). 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 True Sky Federal Credit Union's TellerScore?

48 out of 100 (Below average), 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 True Sky Federal Credit Union have?

10 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Oklahoma City

InstitutionScoreAssetsCapitalProblem loansCompare
Oklahoma Federal Credit UnionCredit union Oklahoma City, OK91 out of 100, Very strong$198.9M20.2%0.24%vs
International Bank of CommerceBank Oklahoma City, OK88 out of 100, Very strong$1.6B15.5%0.66%vs
Sooner State BankBank Tuttle, OK86 out of 100, Very strong$354.6M12.8%0.33%vs
Bank 7Bank Oklahoma City, OK86 out of 100, Very strong$1.9B13.9%0.39%vs
U. S. Employees O. C. Federal Credit UnionCredit union Oklahoma City, OK85 out of 100, Very strong$213.5M16.3%0.20%vs
Liberty National BankBank Lawton, OK84 out of 100, Strong$1.3B10.3%0.02%vs