Federal credit union · Oklahoma City, Oklahoma · NCUA charter #24934
True Sky
Health score 55/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 55
- Health / 100
- $799.2M
- Total assets
- 62,138
- Members
- 6.1%
- Net-worth ratio
True Sky scores 55/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $799.2M; members 62,138; net-worth ratio 6.09%; health rank #4,193 of 4,374; healthier than 4th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#4,193 of 4,374 health · 2025Q4True Sky · health 55/100 · $799.2M · 2025Q4
- ASSETS 55/100
- MEM 6.1%
- RANK 0.91%
- PHOTO -1.26%
- BOOK $799.2M
- CHARTER 62,138
- NCUSIF #4,193/4,374
- CAMELS PELICAN
- HEALTH 24934
Call Report peers
True Sky in the assets neighbourhood
True Sky's $799.2M assets sit next to PELICAN ($800.8M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
True Sky vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
55 4th percentile higher than 4% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
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: Call Report deltas vs peers
- Largest lag: Loan-to-Share Ratio at 74.21% vs peer 83.90% (-9.69 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
True Sky in Oklahoma
- Health composite ranks #49 of 53 among scored Oklahoma credit unions.
- Assets rank #8 of 53 inside Oklahoma ($799.2M reported).
- Membership ranks #6 of 53 among Oklahoma CUs with a reported count (62,138 members).
In-state ordinals use the live credit_unions table for OK only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How True Sky's 5300 filing moved
True Sky: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.3% from $799.2M (2025Q4) to $797.0M (2026Q1).
- Net-worth ratio shifted +0.01 pp (6.08% → 6.09%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This institution's 6.09% net worth ratio sits below the NCUA's 7.0% well-capitalized threshold.
How the 55/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 55.
- Net Worth Ratio 15.7 pts
- Delinquency Rate 20.9 pts
- Return on Assets 0.0 pts
- Member Growth 3.3 pts
- Loan-to-Share Ratio 15.1 pts
True Sky health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 6.09% | -5.09 pp |
| Delinquency Rate | 0.91% | +0.04 pp |
| Return on Assets | -1.26% | -1.77 pp |
| Member Growth | -3.19% | - |
| Loan-to-Share Ratio | 74.21% | -9.69 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Call Report history - True Sky
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $797.0M | - |
| 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
Branch Locations (14)
The NCUA branch filing lists 14 physical offices for True Sky, spread across 9 cities.
| Office | City |
|---|---|
| Western Office (Main Office) | Oklahoma City, OK |
| Chandler | Chandler, OK |
| Davenport | Davenport, OK |
| 2nd Street Branch | Edmond, OK |
| Midwest City | Midwest City, OK |
| Mustang | Mustang, OK |
| Tri-City | Newcastle, OK |
| Norman Tecumseh Branch | Norman, OK |
| Capitol Hill | Oklahoma City, OK |
| MMAC | Oklahoma City, OK |
| Northwest | Oklahoma City, OK |
| Northeast | Oklahoma City, OK |
| 23rd Street | Oklahoma City, OK |
| Yukon | Yukon, OK |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Oklahoma
Other federally-insured credit unions in Oklahoma, closest first by peer group and asset size.
Other-state peers near True Sky
True Sky's nationwide photo peers by assets and by health score, excluding Oklahoma charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($799.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (55/100 here).
Using this data
- True Sky ranks #4,193 of 4,374 nationally on financial health and #49 of 53 in OK -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Oklahoma Central is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Oklahoma Central
- Rates and health both vary by institution, not just by state -- see how Oklahoma credit unions compare overall before assuming this one is typical. Oklahoma state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
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 55/100 (Fair). On the national health ranking (same basis as /rankings/healthiest), it sits at #4,193 of 4,374; by total assets it ranks #556 of 4,374 nationally (same basis as /rankings/largest); and #8 of 53 within Oklahoma. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 6.09% net worth ratio and a 0.91% delinquency rate.
How does True Sky compare to other credit unions?
55/100 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 6.09% 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.
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.