| Metric | Energize Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -6.5% | +1.3% | -7.8 pts |
| Share growth (YoY) | -7.9% | +0.9% | -8.9 pts |
| Loan growth (YoY) | -1.9% | -2.6% | +0.7 pts |
| ROA | 0.49% | 0.65% | -0.2 pts |
| ROE | 3.6% | 4.4% | -0.8 pts |
ROA ranks in the 41st percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $25.4M | $21.8M | $19.2M | $3.5M | $63K | 0.49% | 4.63% | 0.81% | 2,741 |
| 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% |
| Ratio | Energize Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.49% | 0.65% | 41st | |
Return on equity Annualized net income ÷ equity or net worth | 3.6% | 4.4% | 44th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.63% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 3,704 |
| Q2 2024 | $28.3M | $24.8M | $21.7M | $3.4M | $-89K | -0.63% | 3.11% | 0.32% | 3,675 |
Loan mix (Q2 2026): real estate $196K · commercial $0 · consumer $16.4M · securities $3.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 90.2% | 80.6% | 72nd |
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% |
| 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% |
| Ratio | Energize Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% |
| 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% |
| 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% |
| 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% |
The full ratio pack is part of CharterBench Pro.
1 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Oklahoma, OK, ranked 71st with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Oklahoma, OK | 1 | $21.8M* | 0.04% | 71st |
Oklahoma: 231st with 0.01% · Oklahoma City metro: 85th, 0.03% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1