Federal credit union · Tulsa, Oklahoma · NCUA charter #256
Energy One
Health score 72/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 72
- Health / 100
- $289.6M
- Total assets
- 17,040
- Members
- 11.3%
- Net-worth ratio
Energy One scores 72/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $289.6M; members 17,040; net-worth ratio 11.29%; health rank #3,475 of 4,374; healthier than 20th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,475 of 4,374 health · 2025Q4Energy One · health 72/100 · $289.6M · 2025Q4
- NCUSIF 72/100
- CAMELS 11.3%
- HEALTH 1.51%
- NW 0.24%
- DELQ $289.6M
- ROA 17,040
- ASSETS #3,475/4,374
- MEM MEMBERSALLIANCE
- RANK 256
Call Report peers
Energy One in the assets neighbourhood
Energy One's $289.6M assets sit next to MEMBERSALLIANCE ($290.1M) 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 One 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
72 20th percentile higher than 20% 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 One - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #256. See our deposit-insurance coverage note.
Where Energy One diverges from peer averages
- Loan-to-Share Ratio trails the peer set - 69.23% here, 72.20% peer average (-2.97 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Energy One sits in Oklahoma
- In Oklahoma, health place is #42 of 53 on the same NCUA-ratio sort used nationally.
- Oklahoma assets place: #13 of 53.
- Membership ranks #15 of 53 among Oklahoma CUs with a reported count (17,040 members).
In-state ordinals use the live credit_unions table for OK only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Energy One: 2025Q4 → 2026Q1
Energy One: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +6.4% from $289.6M (2025Q4) to $308.2M (2026Q1).
- Net-worth ratio shifted -0.06 pp (11.35% → 11.29%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 11.29% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 72/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 72.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 16.2 pts
- Return on Assets 11.1 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 14.7 pts
Call Report ratios for Energy One
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.29% | -0.82 pp |
| Delinquency Rate | 1.51% | +0.62 pp |
| Return on Assets | 0.24% | -0.38 pp |
| Member Growth | -7.37% | - |
| Loan-to-Share Ratio | 69.23% | -2.97 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).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $308.2M | - |
| 2025Q4 | $289.6M | 17,040 |
| 2024Q4 | $268.9M | 18,395 |
| 2023Q4 | $274.9M | 19,090 |
Credit Union Details
- Charter Number
- 256
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Oklahoma
- City
- Tulsa
- Data Quarter
- 2025Q4
Branch Locations (8)
The NCUA branch filing lists 8 physical offices for Energy One, spread across 5 cities in 3 states.
| Office | City |
|---|---|
| Tulsa Southern Hills (Main Office) | Tulsa, OK |
| Bakersfield | Bakersfield, CA |
| South Broken Arrow | Broken Arrow, OK |
| Dallas | Dallas, TX |
| Greenway Plaza | Houston, TX |
| Citgo Headquarters | Houston, TX |
| TDT | Tulsa, OK |
| CW | Tulsa, OK |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Oklahoma
A look at other Oklahoma credit unions, ranked by how closely their peer group and asset size match this one.
Nationwide credit unions with similar profiles
Two NCUA Call Report peer sets for Energy One, both outside Oklahoma so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($289.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (72/100 here).
Using this data
- Energy One ranks #3,475 of 4,374 nationally on financial health and #42 of 53 in OK -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Oklahoma Educators is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Oklahoma Educators
- 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 Energy One financially healthy?
Yes/no aside, the number is 72/100 (Very Good) - Energy One's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,475 of 4,374; by total assets it ranks #1,052 of 4,374 nationally (same basis as /rankings/largest); and #13 of 53 within Oklahoma. Above 80 reads excellent, below 50 warrants closer monitoring; a 11.29% net worth ratio and 1.51% delinquency rate are the key drivers.
How does Energy One compare to other credit unions?
On PlainCU's health composite, Energy One lands at 72/100, compared to a peer group average for $100M–$500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), 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 One?
Energy One 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 Energy One directly for the exact boundaries and application steps.
Is my money safe at Energy One?
Federal credit unions like Energy One 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 One's net worth ratio of 11.29% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Energy One offer compared to banks?
Credit unions like Energy One 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 One 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.