Federal credit union · Tulsa, Oklahoma · NCUA charter #20015
ENCENTUS
Health score 49/100, grade F (Below Average) - from the NCUA 5300 Call Report, 2025Q4.
- 49
- Health / 100
- $20.8M
- Total assets
- 4,580
- Members
- 17.0%
- Net-worth ratio
ENCENTUS scores 49/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $20.8M; members 4,580; net-worth ratio 16.99%; health rank #4,280 of 4,374; healthier than 2nd of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#4,280 of 4,374 health · 2025Q4ENCENTUS · health 49/100 · $20.8M · 2025Q4
- NW 49/100
- DELQ 17.0%
- ROA 4.01%
- ASSETS -0.29%
- MEM $20.8M
- RANK 4,580
- PHOTO #4,280/4,374
- BOOK Le Roy
- CHARTER 20015
Call Report peers
ENCENTUS in the assets neighbourhood
ENCENTUS's $20.8M assets sit next to Le Roy ($20.8M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
ENCENTUS vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
49 2nd percentile higher than 2% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
ENCENTUS - Share Insurance Coverage
Charter #20015's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
ENCENTUS: Call Report deltas vs peers
- Largest favorable gap: Net Worth Ratio at 16.99% vs peer 14.86% (+2.13 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -18.64 pp (41.16% vs 59.80%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
ENCENTUS in Oklahoma
- Health composite ranks #51 of 53 among scored Oklahoma credit unions.
- Oklahoma assets place: #42 of 53.
- Oklahoma membership ordinal: #31 of 53.
In-state ordinals use the live credit_unions table for OK only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
ENCENTUS: 2025Q4 → 2026Q1
ENCENTUS: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.6% from $20.8M (2025Q4) to $21.6M (2026Q1).
- Net-worth ratio shifted -0.43 pp (17.42% → 16.99%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 16.99% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 49/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 49.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 0.0 pts
- Return on Assets 1.9 pts
- Member Growth 7.6 pts
- Loan-to-Share Ratio 9.5 pts
Call Report ratios for ENCENTUS
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 16.99% | +2.13 pp |
| Delinquency Rate | 4.01% | +2.86 pp |
| Return on Assets | -0.29% | -1.00 pp |
| Member Growth | -0.80% | - |
| Loan-to-Share Ratio | 41.16% | -18.64 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $21.6M | - |
| 2025Q4 | $20.8M | 4,580 |
| 2024Q4 | $20.6M | 4,617 |
| 2023Q4 | $23.2M | 4,709 |
Credit Union Details
- Charter Number
- 20015
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Oklahoma
- City
- Tulsa
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, ENCENTUS runs one office.
| Office | City |
|---|---|
| Main Office (Main Office) | Tulsa, OK |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Oklahoma
More federally-insured credit unions based in Oklahoma, ordered by peer group match and asset size.
Cross-state Call Report peers for ENCENTUS
ENCENTUS's nationwide photo peers by assets and by health score, excluding Oklahoma charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($20.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (49/100 here).
Using this data
- ENCENTUS ranks #4,280 of 4,374 nationally on financial health and #51 of 53 in OK -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Ok Members First is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Ok Members First
- Rates and health both vary by institution, not just by state -- see how Oklahoma credit unions compare overall before assuming this one is typical. Oklahoma state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is ENCENTUS financially healthy?
ENCENTUS has a financial health score of 49/100 (Below Average) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,280 of 4,374; by total assets it ranks #3,123 of 4,374 nationally (same basis as /rankings/largest); and #42 of 53 within Oklahoma. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 16.99% and delinquency rate of 4.01%.
How does ENCENTUS compare to other credit unions?
Five weighted metrics from NCUA filings produce ENCENTUS's 49/100 score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join ENCENTUS?
ENCENTUS operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact ENCENTUS directly for the exact boundaries and application steps.
Is my money safe at ENCENTUS?
Federal credit unions like ENCENTUS are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. ENCENTUS's net worth ratio of 16.99% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does ENCENTUS offer compared to banks?
Credit unions like ENCENTUS are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact ENCENTUS directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.