TRUE SKY
Charter #24934 · Oklahoma City, OK · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 6.09% sits at the 0th percentile of structural peers — worth a closer look.
- Return on average assets of -0.04% sits at the 7th percentile of structural peers — worth a closer look.
- Net interest margin of 2.83% sits at the 2nd percentile of structural peers — worth a closer look.
- Efficiency ratio of 86.91% sits at the 82nd percentile of structural peers — worth a closer look.
- On Members, the asset-size band puts this credit union at the 91st percentile but its structural peers at the 67th — a 24-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | TRUE SKY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $797.00M | 68th pct | 44th pct |
| Members | 63,740 | 91th pct | 67th pct |
| Net worth ratio | 6.09% | 0th pct | 0th pct |
| Return on average assets | -0.04% | 5th pct | 7th pct |
| Net interest margin | 2.83% | 13th pct | 2th pct |
| Cost of funds | 1.59% | 59th pct | 69th pct |
| Loan-to-share | 72.00% | 26th pct | 26th pct |
| Delinquency 60+ days | 0.74% | 64th pct | 56th pct |
| Net charge-off ratio | 0.85% | 82th pct | 70th pct |
| Loan growth YoY | -5.23% | 3th pct | 3th pct |
| Share growth YoY | -2.88% | 1th pct | 2th pct |
| Efficiency ratio | 86.91% | 82th pct | 82th pct |
structural peer set hash: 69c6f719354cdeec168f382f0736e452… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.