PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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