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.
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NCUA 5300 Call Report Masthead
#4,280 of 4,374 health · 2025Q4ENCENTUS · health 49/100 · $20.8M · 2025Q4
Call Report peers
ENCENTUS in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); ENCENTUS sits in 45-49 with 39 others.
49 2nd percentile higher than 2% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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%).
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.
- One place up in Oklahoma, First Oklahoma (#50) scores 51/100, 2 points higher; one place down, TEACHERS (#52) scores 44/100, 5 points lower.
ENCENTUS: 2025Q4 → 2026Q1
ENCENTUS: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.6% from $20.8M (2025Q4) to $21.6M (2026Q1).
- Net-worth ratio shifted -0.43 pp (17.42% → 16.99%).
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
ENCENTUS gives up 51 points in total. Delinquency Rate costs the most, 25 of its 25; Net Worth Ratio scores full marks.
- 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is ENCENTUS financially healthy?
On its 2025Q4 NCUA 5300 filing, ENCENTUS scores 49/100 (Below Average), with a 16.99% net worth ratio and 4.01% of loans delinquent. It ranks #4,280 of 4,374 nationally on health and #51 of 53 in Oklahoma.
How does ENCENTUS compare to other credit unions?
ENCENTUS scores 49/100, higher than 2% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is net worth ratio (16.99% vs 14.86%). Its widest shortfall is loan-to-share ratio (41.16% vs 59.80%).
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?
ENCENTUS is a federal credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.