TRUE SKY

Charter #24934 | OK

750M-1B (112 CUs) Community (281 CUs)
3 750M-1B in OK

TRUE SKY has 1 strength but faces 5 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Leader: Top 25.9% in tier

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 21.0% in tier
  • - Shrinking Wallet Share: Bottom 22.7% in tier
  • - ROA 0.84% below tier average
  • - Efficiency ratio 10.67% above tier (higher cost structure)
  • - Net Worth Ratio: Bottom 0.9% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Members 64,892
+1.2% YoY+0.6% QoQ
 +12.8K 52,114
-2.1% YoY
 27,533
+2.7% YoY
 33,089
+6.1% YoY
 Top 18.8% in tier
Assets $819.0M
-1.3% YoY-0.4% QoQ
 $-40.0M $859.0M
+0.0% YoY
 $405.5M
+5.4% YoY
 $547.7M
+7.8% YoY
 33rd in tier
Loans $558.7M
-4.3% YoY-0.8% QoQ
 $-44.7M $603.4M
+1.0% YoY
 $252.8M
+1.3% YoY
 $388.7M
+8.6% YoY
 29th in tier
Deposits $757.1M
+4.3% YoY-0.8% QoQ
 +$22.9M $734.2M
+0.9% YoY
 $336.4M
+4.6% YoY
 $464.6M
+9.3% YoY
 65th in tier
ROA -0.1%
-90.7% YoY+11.6% QoQ
 -0.8% 0.7%
+27.6% YoY
 0.6%
+31.7% YoY
 0.7%
+273.4% YoY
 Bottom 5.4% in tier
NIM 2.9%
+6.2% YoY+2.6% QoQ
 -0.5% 3.4%
+9.6% YoY
 3.9%
+3.8% YoY
 3.7%
+5.0% YoY
 Bottom 24.1% in tier
Efficiency Ratio 85.2%
-8.5% YoY-0.9% QoQ
 +10.7% 74.5%
-3.2% YoY
 79.2%
-1.1% YoY
 79.1%
-3.3% YoY
 Top 14.3% in tier
Delinquency Rate 0.8%
-26.3% YoY-2.8% QoQ
 -0.0 0.8%
+5.0% YoY
 1.1%
-4.2% YoY
 1.2%
-0.9% YoY
 64th in tier
Loan To Share 73.8%
-8.3% YoY-0.0% QoQ
 -8.9% 82.7%
+0.1% YoY
 71.1%
-2.1% YoY
 68.0%
-1.7% YoY
 Bottom 22.3% in tier
AMR $20,277
-0.7% YoY-1.4% QoQ
 $-8K $28,651
+2.5% YoY
 $17,893
+3.6% YoY
 $19,418
+1.3% YoY
 Bottom 14.3% in tier
CD Concentration 28.7%
+1.8% YoY+1.4% QoQ
 +4.2% 24.4%
+4.2% YoY
 23.2%
+1.7% YoY
 19.6%
+6.2% YoY
 66th in tier
Indirect Auto % 12.1%
-12.1% YoY+6.1% QoQ
 -1.9% 14.0%
-5.8% YoY
 15.2%
-17.2% YoY
 7.9%
-2.9% YoY
 57th in tier

Signature Analysis

Strengths (1)

Organic Growth Leader

growth
#342 of 430 • Top 25.9% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 1.24%
(Tier: 0.88%, National: 9.37%)
better than tier avg
430 of 281 Community CUs have this signature | 608 nationally
↓ Shrinking -21 CUs YoY | Rank worsening

Concerns (2)

Efficiency Drag

risk
#372 of 521 • Bottom 21.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 85.19%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): 1.24% points
(Tier: 0.11% points, National: 0.05% points)
but better than tier avg
Member Growth (YoY): 1.24%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
521 of 281 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | Rank improving

Shrinking Wallet Share

decline
#227 of 244 • Bottom 22.7% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -0.74%
(Tier: 3.68%, National: 4.19%)
worse than tier avg
244 of 281 Community CUs have this signature | 346 nationally
↓ Shrinking -221 CUs YoY | Rank worsening

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Comparing against 112 peers in tier

Top Strengths (2 metrics)

19
Members Per Employee (MPE)
engagement
Value: 447.531
Peer Avg: 361.634
#19 of 112 Top 16.1% in 750M-1B tier
21
Total Members
engagement
Value: 64,892
Peer Avg: 52,114
#21 of 112 Top 17.9% in 750M-1B tier

Top Weaknesses (11 metrics)

112
Net Worth Ratio
risk
Value: 5.85%
Peer Avg: 11.52%
#112 of 112 Bottom 0.9% in 750M-1B tier
106
Return on Assets (ROA)
profitability
Value: -0.13%
Peer Avg: 0.71%
#106 of 112 Bottom 6.2% in 750M-1B tier
101
Loan Growth Rate
growth
Value: -4.29%
Peer Avg: 4.84%
#101 of 112 Bottom 10.7% in 750M-1B tier
99
Net Charge-Off Rate
risk
Value: 1.17%
Peer Avg: 0.61%
#99 of 112 Bottom 12.5% in 750M-1B tier
97
Efficiency Ratio
profitability
Value: 85.19%
Peer Avg: 74.52%
#97 of 112 Bottom 14.3% in 750M-1B tier
97
Asset Growth Rate
growth
Value: -1.26%
Peer Avg: 4.25%
#97 of 112 Bottom 14.3% in 750M-1B tier
97
Loan-to-Member Ratio (LMR)
engagement
Value: $8,610
Peer Avg: $12,810
#97 of 112 Bottom 14.3% in 750M-1B tier
96
Average Member Relationship (AMR)
engagement
Value: $20,277
Peer Avg: $28,651
#96 of 112 Bottom 15.2% in 750M-1B tier
95
AMR Growth Rate
growth
Value: -0.74%
Peer Avg: 4.90%
#95 of 112 Bottom 16.1% in 750M-1B tier
87
Loan-to-Share Ratio
balance_sheet
Value: 73.79%
Peer Avg: 82.66%
#87 of 112 Bottom 23.2% in 750M-1B tier