Energize Credit Union
Total assets
$25.7M
▼ -8.9% YoY
Shares & deposits
$22.2M
▼ -10.6% YoY
Loans
$18.9M
▼ -4.8% YoY
Members
3,094
▼ -16.8% YoY
ROA (annualized)
0.39%
peers 0.60%
ROE (annualized)
2.88%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | Energize Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -8.9% | +1.3% | -10.2 pts |
| Share growth (YoY) | -10.6% | +0.7% | -11.2 pts |
| Loan growth (YoY) | -4.8% | -2.4% | -2.4 pts |
| ROA | 0.39% | 0.60% | -0.2 pts |
| ROE | 2.9% | 4.1% | -1.2 pts |
ROA ranks in the 39th percentile of its peer group · Q1 2026
Profile
- Established
- 1967
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 3
- Address
- Po Box 54309, Oklahoma City, OK, 73154
- NCUA charter #
- 60994
- RSSD ID
- 270492
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $25.7M | $22.2M | $18.9M | $3.5M | $25K | 0.39% | 4.52% | 0.23% | 3,094 |
| Q4 2025 | $25.6M | $22.0M | $19.2M | $3.4M | $78K | 0.30% | 4.39% | 0.62% | 3,254 |
| Q3 2025 | $26.4M | $22.8M | $19.0M | $3.5M | $81K | 0.41% | 4.15% | 0.39% | 3,334 |
| Q2 2025 | $27.1M | $23.7M | $19.6M | $3.4M | $41K | 0.30% | 3.92% | 0.19% | 3,711 |
| Q1 2025 | $28.2M | $24.8M | $19.9M | $3.4M | $-3K | -0.04% | 3.58% | 0.12% | 3,719 |
| Q4 2024 | $28.4M | $24.9M | $20.2M | $3.4M | $-163K | -0.57% | 3.16% | 0.12% | 3,729 |
| Q3 2024 | $29.1M | $25.7M | $20.8M | $3.4M | $-129K | -0.59% | 3.00% | 0.25% | 3,704 |
| Q2 2024 | $28.3M | $24.8M | $21.7M | $3.4M | $-89K | -0.63% | 3.11% | 0.32% | 3,675 |
Loan mix (Q1 2026): real estate $199K · commercial $0 · consumer $16.2M · securities $3.5M
Ratio pack Q1 2026 · peer medians from 2508 institutions
Profitability
| Ratio | Energize Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.39% | 0.60% | 39th | |
Return on equity Annualized net income ÷ equity or net worth | 2.9% | 4.1% | 41th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.52% | 3.83% | 77th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 92.1% | 81.5% | 73th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Energize Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Energize Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Energize Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Energize Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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