State credit union · OKLAHOMA CITY, Oklahoma · NCUA charter #60994
ENERGIZE
Health score 69/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 69
- Health / 100
- $25.6M
- Total assets
- 3,254
- Members
- 13.5%
- Net-worth ratio
ENERGIZE scores 69/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $25.6M; members 3,254; net-worth ratio 13.50%; health rank #3,649 of 4,374; healthier than 16th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,649 of 4,374 health · 2025Q4ENERGIZE · health 69/100 · $25.6M · 2025Q4
Call Report peers
ENERGIZE in the assets neighbourhood
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ENERGIZE vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); ENERGIZE sits in 65-69 with 275 others.
69 16th percentile higher than 16% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for ENERGIZE
- Largest favorable gap: Loan-to-Share Ratio at 87.20% vs peer 59.80% (+27.40 pp).
- Widest shortfall vs peers is Net Worth Ratio: -1.36 pp (13.50% vs 14.86%).
Where ENERGIZE sits in Oklahoma
- Oklahoma health ordinal: #43 of 53.
- By total assets, ENERGIZE is #39 of 53 in Oklahoma.
- Oklahoma membership ordinal: #39 of 53.
- One place up in Oklahoma, Energy One (#42) scores 72/100, 3 points higher; one place down, TTCU (#44) scores 68/100, 1 point lower.
ENERGIZE Call Report trajectory
ENERGIZE: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.5% from $25.6M (2025Q4) to $25.7M (2026Q1).
- Net-worth ratio shifted +0.03 pp (13.47% → 13.50%).
At 13.50%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 69/100 score is built
ENERGIZE gives up 31 points in total. Return on Assets costs the most, 15 of its 15; Net Worth Ratio and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 23.8 pts
- Return on Assets 0.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 15.2 pts
ENERGIZE health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.50% | -1.36 pp |
| Delinquency Rate | 0.62% | -0.52 pp |
| Return on Assets | -0.64% | -1.34 pp |
| Member Growth | -12.74% | - |
| Loan-to-Share Ratio | 87.20% | +27.40 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
ENERGIZE filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $25.7M | - |
| 2025Q4 | $25.6M | 3,254 |
| 2024Q4 | $28.4M | 3,729 |
| 2023Q4 | $28.9M | 3,631 |
Credit Union Details
- Charter Number
- 60994
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Oklahoma
- City
- OKLAHOMA CITY
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for ENERGIZE.
| Office | City |
|---|---|
| ECU Office (Main Office) | Oklahoma City, 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.
ENERGIZE nationwide neighbourhoods
Using this data
- ENERGIZE ranks #3,649 of 4,374 nationally on financial health and #43 of 53 in OK -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- OK is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with OK
Frequently Asked Questions
Is ENERGIZE financially healthy?
ENERGIZE has a financial health score of 69/100 (Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,649 of 4,374 nationally on health and #43 of 53 in Oklahoma. Its net worth ratio is 13.50% and its delinquency rate 0.62%.
How does ENERGIZE compare to other credit unions?
ENERGIZE scores 69/100, higher than 16% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (87.20% vs 59.80%). Its widest shortfall is net worth ratio (13.50% vs 14.86%).
How can I join ENERGIZE?
Membership eligibility for ENERGIZE depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact ENERGIZE directly for current membership requirements and application steps.
Is my money safe at ENERGIZE?
ENERGIZE is a state-chartered 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. ENERGIZE's net worth ratio of 13.50% 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.