Houston TX, February 2, 2026
Randolph-Brooks Federal Credit Union (RBFCU) is merging with True Sky Federal Credit Union, marking a strategic move in the Texas and Oklahoma financial markets. The merger aims to enhance service offerings and expand member accessibility, with approvals expected in 2026. This collaboration will create a combined entity managing nearly $20 billion in assets, emphasizing growth and community commitment across state borders.
Houston, TX – In a significant development for the regional financial landscape, Randolph-Brooks Federal Credit Union (RBFCU), a prominent Texas institution, is set to merge with Oklahoma City-based True Sky Federal Credit Union. This strategic consolidation highlights the dynamic evolution within the credit union sector, emphasizing growth, expanded services, and enhanced member value through collaborative enterprise across state lines. Such initiatives underscore a commitment to strengthening financial infrastructures that benefit communities and foster economic resilience, a positive trend for Houston TX business and beyond.
The proposed merger reflects a broader national trend where financial cooperatives are proactively seeking partnerships to achieve greater efficiencies and broaden their reach. This approach often enables institutions to invest more robustly in technology, diversify offerings, and ensure long-term stability in an increasingly competitive market. For members, these collaborations can translate into improved services and more competitive financial products, reinforcing the value proposition of cooperative financial models for individuals and Texas TX entrepreneurs alike.
Texas Powerhouse Expands Reach
The boards of directors for both Randolph-Brooks Federal Credit Union and True Sky Federal Credit Union have unanimously approved a definitive merger agreement. This pivotal decision sets the stage for a stronger, more expansive financial entity, with regulatory and True Sky membership approvals anticipated in early 2026. Upon completion, the combined institution will operate under the established RBFCU name, signaling continuity and leveraging a recognized brand in the financial services sector.
Headquartered in Live Oak, Texas, near San Antonio, RBFCU has long been a pillar of financial strength and community involvement within the state. Established in 1952 on Randolph Air Force Base, RBFCU has grown to serve over 1.1 million members through 64 branches across Texas, including a substantial presence in key economic hubs such as Austin, Dallas-Fort Worth, and Corpus Christi. With assets exceeding $19 billion, RBFCU stands as the largest credit union in Texas and ranks among the top 10 nationally based on total assets as of March 2024. Its mission is rooted in improving members’ economic well-being and quality of life, a principle that continues to guide its strategic decisions.
True Sky’s Resilient Journey
True Sky Federal Credit Union, founded in Oklahoma City in 1946 by the forerunner of the Federal Aviation Administration (FAA), brings its own rich history of service and community dedication to this merger. With over 64,000 members and assets totaling $799 million, True Sky operates 14 branches throughout the greater Oklahoma City area, extending its services to communities like Chandler, Davenport, Edmond, Midwest City, Newcastle, Norman, and the FAA Campus.
True Sky’s journey reflects remarkable resilience. After experiencing a challenging period in 2024 with a loss of nearly $13 million, the credit union demonstrated strong leadership and strategic adjustments to return to profitability in 2025, earning $175,500. This recovery underscores the robust spirit of cooperative enterprise and effective management, showcasing how focused determination can overcome economic headwinds. True Sky has expanded its field of membership to include community-assistance groups, education, healthcare services, individuals with aspirations of Houston small business ownership, trade groups, and civic locations.
A Union for Enhanced Member Value and Economic Growth
The core objective of this merger is to enhance financial services and accessibility for members across both Texas and Oklahoma. By leveraging their shared heritage in aviation and a mutual commitment to the “people helping people” philosophy, the combined entity aims to deliver increased financial strength, soundness, and stability. The merged credit union is projected to command nearly $20 billion in assets, creating a formidable presence in the regional financial sector.
This expansion marks RBFCU’s first significant entry into Oklahoma, extending its geographic footprint and service capabilities. For members of both institutions, the merger promises to maintain a high level of service. Current members can expect no immediate changes to their accounts, loan rates, or certificates. Furthermore, all True Sky employees will be offered continued employment with comparable roles, ensuring a smooth transition and retention of valuable local expertise.
Strategic Mergers: A Catalyst for Financial Innovation
Nationwide, credit union mergers are increasingly viewed as strategic tools for growth and innovation, moving beyond being solely responses to financial distress. These consolidations enable institutions to expand their membership, upgrade technology, reduce operational costs, and plan for leadership succession, ultimately enhancing their competitiveness against larger financial institutions and fintech companies.
Research indicates that such mergers often improve cost efficiency within credit unions. Specifically, when a larger credit union acquires a smaller one, members of the acquired institution frequently benefit from more favorable loan rates and higher deposit rates. While the total number of credit union mergers across the nation has seen fluctuations, a notable trend shows an increase in the average asset size of merged-in credit unions, reflecting a strategic shift towards achieving greater scale and market presence.
Fostering a Resilient Economic Landscape
The ongoing trend of strategic mergers within the credit union industry contributes to a more robust and adaptable financial sector. By allowing institutions to combine resources and expertise, these partnerships facilitate greater investment in innovative services and technologies that directly benefit consumers and businesses. This dynamic environment encourages healthy competition and provides more choices for individuals and businesses seeking reliable financial partners, promoting overall economic growth.
Such private sector-led consolidation, driven by a desire for efficiency and expanded service, can be viewed as a testament to the benefits of a marketplace where institutions are free to innovate and adapt. It reflects an entrepreneurial spirit within the cooperative model, where strategic decisions are made with the long-term well-being of members at the forefront. This proactive stance helps to ensure that financial services remain accessible and cutting-edge, contributing positively to the economic vitality of communities like Houston and across Texas.
This significant merger between RBFCU and True Sky Federal Credit Union underscores a commitment to fortifying the financial health and opportunities available to members and communities throughout Texas and Oklahoma. It is a testament to the ongoing evolution of the credit union model, which, through strategic growth and collaboration, continues to enhance its value proposition. We encourage our readers to explore how such developments impact their financial choices and to actively support institutions that prioritize member benefit and community well-being. Staying engaged in the dialogue surrounding Houston’s economic future and the broader Texas TX entrepreneurs ecosystem ensures a vibrant and prosperous tomorrow for all.
Frequently Asked Questions
What credit unions are involved in the merger?
Randolph-Brooks Federal Credit Union (RBFCU) and True Sky Federal Credit Union are involved in the merger.
What is the expected timeline for the merger’s approval and completion?
Regulatory and True Sky membership approvals for the merger are anticipated in early 2026.
Will the name of the credit union change after the merger?
No, the combined credit union will retain the RBFCU name.
What is the primary goal of the RBFCU and True Sky merger?
The merger aims to enhance financial services and accessibility for members in Texas and Oklahoma, leveraging their shared aviation heritage, and to expand the credit union advantage with more financial strength, soundness, and stability in service.
What are the assets and membership of RBFCU?
RBFCU serves over 1.1 million members and has assets exceeding $19 billion.
What are the assets and membership of True Sky Federal Credit Union?
True Sky Federal Credit Union serves over 64,000 members and has assets of $799 million.
Will employees of True Sky Federal Credit Union lose their jobs?
All True Sky employees will be offered employment with similar roles after the merger.
What is the combined asset size of the merged credit union?
The assets for the combined credit union will amount to nearly $20 billion.
What is RBFCU’s standing among credit unions?
RBFCU is the largest credit union in Texas and the 10th largest credit union in the United States, based on total assets as of March 2024.
What are common reasons for credit union mergers nationwide?
Nationwide, common reasons for credit union mergers include expanding membership, upgrading technology, reducing operating costs, planning for leadership succession, and becoming more competitive with fintech companies and national banks.
Key Features of the RBFCU and True Sky Merger
| Feature | Details | Geographic Scope |
|---|---|---|
| Merging Entities | Randolph-Brooks Federal Credit Union (RBFCU) and True Sky Federal Credit Union | Texas (RBFCU) & Oklahoma (True Sky) |
| Retained Name | RBFCU | N/A |
| Approval Status | Boards approved; Regulatory and True Sky membership approvals expected early 2026 | State-level (Oklahoma membership) |
| RBFCU Members | Over 1.1 million | State-level (Texas) |
| RBFCU Assets | Exceeding $19 billion | State-level (Texas) |
| True Sky Members | Over 64,000 | State-level (Oklahoma) |
| True Sky Assets | $799 million | State-level (Oklahoma) |
| Combined Assets | Nearly $20 billion | Regional (Texas and Oklahoma) |
| Employee Impact | True Sky employees offered similar roles | State-level (Oklahoma) |
| Strategic Goals | Enhance services, accessibility, financial strength, and stability; expand geographic reach | Regional (Texas and Oklahoma) |
| RBFCU Ranking | Largest credit union in Texas; 10th largest in the U.S. by assets (as of March 2024) | State-level (Texas) and Nationwide (U.S.) |
| True Sky History | Established 1946 by forerunner of FAA; returned to profitability in 2025 after 2024 loss | State-level (Oklahoma) |
| General Merger Trends | Driven by expanding membership, technology upgrades, cost reduction, succession planning, competitiveness | Nationwide |
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Author: STAFF HERE HOUSTON TX WRITER
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