The Texas-based credit union plans its first major expansion beyond state lines, combining with an Oklahoma City institution rooted in aviation and community banking.

Randolph-Brooks Federal Credit Union, one of Texas’s largest member-owned financial institutions, is poised to make a significant expansion beyond its home state through a proposed merger with True Sky Federal Credit Union, a longtime Oklahoma City lender with deep roots in aviation.

The boards of both institutions have unanimously approved the deal, which would bring True Sky under the RBFCU name, pending regulatory and member approvals expected in the first quarter of 2026. If completed, the transaction would mark RBFCU’s first major entry into Oklahoma, extending its footprint north from Texas into a new and growing market.

RBFCU, based in Live Oak near San Antonio, reported $19.2 billion in assets and 1.1 million members at the end of 2025, according to National Credit Union Administration call report data. The credit union earned $267.6 million last year, up from $243.6 million in 2024, underscoring its financial strength as it looks to expand.

True Sky Federal Credit Union, headquartered in Oklahoma City, brings a contrasting but complementary profile. With $799.2 million in assets and more than 62,000 members, True Sky has spent decades serving the greater Oklahoma City area through 14 branches. Founded in 1946 by the forerunner of the Federal Aviation Administration, the credit union endured a difficult period in 2024, when it posted a loss of nearly $13 million. In 2025, however, it returned to profitability, earning $175,500.

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The merger would give RBFCU an immediate physical presence in Oklahoma, while offering True Sky members access to a far larger institution with expanded resources and product offerings. Together, the combined credit union would serve members across Texas and Oklahoma, reinforcing a regional strategy anchored in shared history and scale.

Mark Sekula, president and chief executive of RBFCU, framed the deal as a natural extension of the organizations’ common origins and values.

“We are combining our shared heritage in aviation and spirit of people helping people to provide more value and support to our members,” Sekula said. “Our deep roots in the Southwest and foundations in civilian and military aviation give us the opportunity to provide even more financial soundness and resources to our members and communities, grounded in a shared history and culture. We are thrilled to take flight together.”

RBFCU was established in 1952 on Randolph Air Force Base and now operates 64 branches throughout Texas. True Sky’s aviation lineage and long-standing presence in Oklahoma City align closely with that history, a factor both boards cited in approving the transaction.

For RBFCU, the merger represents more than balance-sheet growth. It is a strategic step into a neighboring state, one that broadens its reach while staying within a regional footprint. For True Sky, it offers stability and scale at a time when smaller credit unions continue to face mounting competitive and regulatory pressures.

If approved, the deal would further highlight how well-capitalized credit unions are using mergers not only to grow, but to enter new markets and extend their cooperative model across state lines.

“We are combining our shared heritage in aviation and spirit of people helping people to provide more value and support to our members.”

– Mark Sekula
President and Chief Executive
RBFCU