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True Sky

Oklahoma City, OK · Charter 24934

NCUA · 14 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the Oklahoma City, OK area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Credit unions under $1B in assets in the Oklahoma City, OK area (n=17). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

0

Q2 2024Q2 2026peer median (50)

Asset Quality

29

Q2 2024Q2 2026peer median (50)

Profitability

25

Q2 2024Q2 2026peer median (50)

Liquidity

68

Q2 2024Q2 2026peer median

Efficiency

53

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

True Sky

Oklahoma City, OK · Charter 24934

NCUA · 14 branches

Q2 2026

$778.4MAssets
$517.7MLoans
$715.3MShares
$49.5MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.23%, up 34 bps year over year; NIM at 3.09%.
  • Asset quality: problem loans at 0.96% of loans (+14 bps YoY).
  • Capital: net worth / assets of 6.35%, up 49 bps from a year ago.
  • Funding: loans stand at 72.37% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.23%+34 bps YoY

Net Interest Margin (YTD, annualized)

3.09%+23 bps YoY

Efficiency Ratio (YTD, annualized)

84.09%-191 bps YoY

Net Worth / Assets

6.35%+49 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.11%-0.13%0.02%-0.04%0.23%+34 bps
Return on Equity-1.96%-2.18%0.36%-0.59%3.56%+552 bps
Net Interest Margin2.86%2.93%3.06%2.83%3.09%+23 bps
Efficiency Ratio86.00%85.19%84.24%86.91%84.09%-191 bps
Growth
Asset Growth (YoY)-3.34%-1.26%-1.70%-4.29%-5.35%-201 bps
Loan Growth (YoY)-6.35%-4.29%-2.93%-2.49%-8.10%-175 bps
Share Growth (YoY)2.91%4.33%-2.22%-5.07%-6.25%-916 bps
Asset Quality
Delinquent Loans / Loans0.82%0.79%0.91%0.74%0.96%+14 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital5.87%5.85%6.08%6.09%6.35%+49 bps
Net Worth / Assets5.87%5.85%6.08%6.09%6.35%+49 bps
Liquidity & Funding
Loans / Shares73.82%73.79%74.21%72.00%72.37%-145 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

True Sky

Oklahoma City, OK · Charter 24934 · Peer group: credit unions under $1B in assets in the Oklahoma City, OK area (n=17)

NCUA · 14 branches

Q2 2026

$778.4MAssets
$517.7MLoans
$715.3MShares
$49.5MNet Worth

Executive Summary

  • Strongest standing: efficiency ratio outperforms 53% of credit unions under $1B in assets in the Oklahoma City, OK area (rank 9 of 17).
  • Widest gap: equity / assets trails 100% of credit unions under $1B in assets in the Oklahoma City, OK area (rank 17 of 17).
  • Overall: at or above the peer median on 1 of 7 directional measures.

Return on Assets

0.23%

Rank 11 of 17

Net Interest Margin

3.09%

Rank 17 of 17

Efficiency Ratio

84.09%

Rank 9 of 17

Equity / Assets

6.35%

Rank 17 of 17

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.23%0.09%0.50%0.87%Beats 35%11 / 17
Return on Equity3.56%0.57%3.59%5.86%Beats 41%10 / 17
Net Interest Margin3.09%3.47%3.95%4.62%Beats 0%17 / 17
Efficiency Ratio84.09%72.40%84.09%93.29%Beats 53%9 / 17
Asset Quality
Nonperforming Loans / Loans0.96%0.24%0.51%0.96%Beats 29%13 / 17
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio6.35%9.54%12.63%17.12%Beats 0%17 / 17
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets6.35%9.54%12.63%17.12%Beats 0%17 / 17
Liquidity & Funding
Loans / Deposits72.37%65.22%80.30%85.86%29th pctl12 / 17
Loans / Assets66.51%51.37%68.04%74.15%41st pctl10 / 17
Brokered Deposits / Depositsn/aNot reported for this institution