Federal credit union · Oklahoma City, Oklahoma · NCUA charter #24934
True Sky
Health score 53/100 (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 53
- Health / 100
- $799.2M
- Total assets
- 62,138
- Members
- 5.5%
- Net-worth ratio
True Sky - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #24934: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
True Sky - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)46
- Asset quality (delinquency)84
- Earnings (ROA)0
- Member growth22
- Liquidity (loan-to-share)100
Weighted composite: 53/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This institution's 5.54% net worth ratio sits below the NCUA's 7.0% well-capitalized threshold.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 5.54% | 30% |
| Delinquency Rate | 0.91% | 25% |
| Return on Assets | -1.26% | 15% |
| Member Growth | -3.19% | 15% |
| Loan-to-Share Ratio | 74.21% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $799.2M | 62,138 |
| 2024Q4 | $813.0M | 64,184 |
| 2023Q4 | $931.7M | 61,581 |
Credit Union Details
- Charter Number
- 24934
- Type
- Federal
- Field of Membership
- Other/Community
- Peer Group
- Over $500M
- State
- Oklahoma
- City
- Oklahoma City
- Data Quarter
- 2025Q4
What This Data Says About True Sky
The five-factor composite scores True Sky at 53/100 (Fair), reflecting a net worth ratio of 5.54% - relative to the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This federal credit union, headquartered in Oklahoma City, Oklahoma, reports 62,138 members, $799.2M in total assets, and $547.6M in outstanding loans as of Q4 2025 under charter #24934 (peer group Over $500M, a cohort of 749 similarly-sized institutions).
0.91% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running looser than peers. Deposit deployment is captured by the 74.21% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at -1.26% on net income of $-10087212 for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -3.19%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Other/Community); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
Nearby Credit Unions in Oklahoma
Other federally-insured credit unions in Oklahoma, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is True Sky financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, True Sky carries a financial health score of 53/100 (Fair). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 5.54% net worth ratio and a 0.91% delinquency rate.
How does True Sky compare to other credit unions?
53/100 is True Sky's score on PlainCU's health composite, compared to a peer group average for Over $500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 15%.
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join True Sky?
True Sky operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact True Sky directly for the exact boundaries and application steps.
Is my money safe at True Sky?
Federal credit unions like True Sky are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. True Sky's net worth ratio of 5.54% is relative to the 7% threshold NCUA considers "well capitalized."
What rates does True Sky offer compared to banks?
Credit unions like True Sky are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact True Sky directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.