Federal credit union · Tulsa, Oklahoma · NCUA charter #256
Energy One
Health score 72/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 72
- Health / 100
- $289.6M
- Total assets
- 17,040
- Members
- 10.6%
- Net-worth ratio
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.
Energy One - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)65
- Earnings (ROA)74
- Member growth0
- Liquidity (loan-to-share)99
Weighted composite: 72/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 10.61% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 10.61% | 30% |
| Delinquency Rate | 1.51% | 25% |
| Return on Assets | 0.24% | 15% |
| Member Growth | -7.37% | 15% |
| Loan-to-Share Ratio | 69.23% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Energy One
Energy One is a federal credit union headquartered in Tulsa, Oklahoma, serving 17,040 members with $289.6M in total assets and $161.5M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 72/100 (Very Good), anchored by a net worth ratio of 10.61% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #256 operates under peer group $100M–$500M, a cohort of 1069 similarly-sized institutions.
1.51% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running looser than peers. Deposit deployment is captured by the 69.23% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 0.24% on net income of $702K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -7.37%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Community); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
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.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
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. Above 80 reads excellent, below 50 warrants closer monitoring; a 10.61% 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 10.61% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.