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
Call Report peers
Energy One in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Energy One sits in 70-74 with 317 others.
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
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).
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).
- One place up in Oklahoma, OTOE-MISSOURIA (#41) scores 73/100, 1 point higher; one place down, ENERGIZE (#43) scores 69/100, 3 points lower.
Energy One: 2025Q4 → 2026Q1
Energy One: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +6.4% from $289.6M (2025Q4) to $308.2M (2026Q1).
- Net-worth ratio shifted -0.06 pp (11.35% → 11.29%).
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
Energy One gives up 28 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio scores full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
Similar total assets
Similar health score
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
Frequently Asked Questions
Is Energy One financially healthy?
Energy One has a financial health score of 72/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,475 of 4,374 nationally on health and #42 of 53 in Oklahoma. Its net worth ratio is 11.29% and its delinquency rate 1.51%.
How does Energy One compare to other credit unions?
Energy One scores 72/100, higher than 20% of the 4,374 scored credit unions. Its widest shortfall is loan-to-share ratio (69.23% vs 72.20%).
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?
Energy One is a federal 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. Energy One's net worth ratio of 11.29% 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.