State credit union · West Roxbury, Massachusetts · NCUA charter #66369
ENERGY
Health score 79/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 79
- Health / 100
- $124.4M
- Total assets
- 5,620
- Members
- 16.7%
- Net-worth ratio
ENERGY scores 79/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $124.4M; members 5,620; net-worth ratio 16.69%; health rank #2,829 of 4,374; healthier than 33rd of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#2,829 of 4,374 health · 2025Q4ENERGY · health 79/100 · $124.4M · 2025Q4
- HEALTH 79/100
- NW 16.7%
- DELQ 1.40%
- ROA 0.44%
- ASSETS $124.4M
- MEM 5,620
- RANK #2,829/4,374
- PHOTO PILLAR
- BOOK 66369
Call Report peers
ENERGY in the assets neighbourhood
ENERGY's $124.4M assets sit next to PILLAR ($124.4M) 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.
ENERGY 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
79 33rd percentile higher than 33% 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
ENERGY - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #66369 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
ENERGY vs $100M–$500M peers
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +13.01 pp (85.21% vs 72.20%).
- Widest shortfall vs peers is Delinquency Rate: +0.50 pp (1.40% vs 0.89%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
ENERGY in Massachusetts
- In Massachusetts, health place is #84 of 126 on the same NCUA-ratio sort used nationally.
- By total assets, ENERGY is #55 of 126 in Massachusetts.
- Massachusetts membership ordinal: #60 of 126.
In-state ordinals use the live credit_unions table for MA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How ENERGY's 5300 filing moved
ENERGY: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.7% from $124.4M (2025Q4) to $129.1M (2026Q1).
- Net-worth ratio shifted -0.47 pp (17.16% → 16.69%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 16.69%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 79/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 79.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 17.0 pts
- Return on Assets 14.2 pts
- Member Growth 3.1 pts
- Loan-to-Share Ratio 14.7 pts
Call Report ratios for ENERGY
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 16.69% | +4.58 pp |
| Delinquency Rate | 1.40% | +0.50 pp |
| Return on Assets | 0.44% | -0.18 pp |
| Member Growth | -3.29% | - |
| Loan-to-Share Ratio | 85.21% | +13.01 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
ENERGY filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $129.1M | - |
| 2025Q4 | $124.4M | 5,620 |
| 2024Q4 | $131.3M | 5,811 |
| 2023Q4 | $129.6M | 5,966 |
Credit Union Details
- Charter Number
- 66369
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Massachusetts
- City
- West Roxbury
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for ENERGY, spread across 2 cities.
| Office | City |
|---|---|
| Spring Street (Main Office) | West Roxbury, MA |
| Peadbody Branch | Peabody, MA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Massachusetts
Other federally-insured credit unions in Massachusetts, closest first by peer group and asset size.
Other-state peers near ENERGY
Cross-state asset and health neighbours for ENERGY - kept outside Massachusetts; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($124.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (79/100 here).
Using this data
- ENERGY ranks #2,829 of 4,374 nationally on financial health and #84 of 126 in MA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- LUSO-AMERICAN is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with LUSO-AMERICAN
- Rates and health both vary by institution, not just by state -- see how Massachusetts credit unions compare overall before assuming this one is typical. Massachusetts 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 ENERGY financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, ENERGY carries a financial health score of 79/100 (Very Good). On the national health ranking (same basis as /rankings/healthiest), it sits at #2,829 of 4,374; by total assets it ranks #1,646 of 4,374 nationally (same basis as /rankings/largest); and #55 of 126 within Massachusetts. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 16.69% net worth ratio and a 1.40% delinquency rate.
How does ENERGY compare to other credit unions?
PlainCU's health composite puts ENERGY at 79/100, compared to a peer group average for $100M–$500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 ENERGY?
Membership eligibility for ENERGY depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact ENERGY directly for current membership requirements and application steps.
Is my money safe at ENERGY?
Federal credit unions like ENERGY 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. ENERGY's net worth ratio of 16.69% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does ENERGY offer compared to banks?
Credit unions like ENERGY 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 ENERGY 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.