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
- RANK 69/100
- PHOTO 13.5%
- BOOK 0.62%
- CHARTER -0.64%
- NCUSIF $25.6M
- CAMELS 3,254
- HEALTH #3,649/4,374
- NW Northwest Consumers
- DELQ 60994
Call Report peers
ENERGIZE in the assets neighbourhood
ENERGIZE's $25.6M assets sit next to Northwest Consumers ($25.6M) 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.
ENERGIZE 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
69 16th percentile higher than 16% 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
ENERGIZE - Share Insurance Coverage
Charter #60994'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.
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%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for OK only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
ENERGIZE Call Report trajectory
ENERGIZE: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.5% from $25.6M (2025Q4) to $25.7M (2026Q1).
- Net-worth ratio shifted +0.03 pp (13.47% → 13.50%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 69.
- 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 |
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).
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
Cross-state asset and health neighbours for ENERGIZE - kept outside Oklahoma; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($25.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (69/100 here).
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
- 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 ENERGIZE financially healthy?
A 13.50% net worth ratio and a 0.62% delinquency rate feed into ENERGIZE's financial health score of 69/100 (Good), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,649 of 4,374; by total assets it ranks #2,975 of 4,374 nationally (same basis as /rankings/largest); and #39 of 53 within Oklahoma. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does ENERGIZE compare to other credit unions?
Five weighted metrics from NCUA filings produce ENERGIZE's 69/100 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 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?
Federal credit unions like ENERGIZE 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. ENERGIZE's net worth ratio of 13.50% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does ENERGIZE offer compared to banks?
Credit unions like ENERGIZE 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 ENERGIZE 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.