Federal credit union · MEDFORD, New Jersey · NCUA charter #13729
Energy People
Health score 84/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $18.4M
- Total assets
- 1,087
- Members
- 18.4%
- Net-worth ratio
Energy People scores 84/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $18.4M; members 1,087; net-worth ratio 18.39%; health rank #2,061 of 4,374; healthier than 50th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#2,061 of 4,374 health · 2025Q4Energy People · health 84/100 · $18.4M · 2025Q4
- RANK 84/100
- PHOTO 18.4%
- BOOK 0.32%
- CHARTER 0.15%
- NCUSIF $18.4M
- CAMELS 1,087
- HEALTH #2,061/4,374
- NW The West Tennessee
- DELQ 13729
Call Report peers
Energy People in the assets neighbourhood
Energy People's $18.4M assets sit next to The West Tennessee ($18.4M) 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 People 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
84 Top 50% higher than 50% 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 People - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #13729, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Energy People: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 96.02% here, 59.80% peer average (+36.22 pp).
- Widest shortfall vs peers is Return on Assets: -0.55 pp (0.15% vs 0.70%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Energy People sits in New Jersey
- Health composite ranks #26 of 127 among scored New Jersey credit unions.
- New Jersey assets place: #68 of 127.
- Member book place in New Jersey: #84 of 127.
In-state ordinals use the live credit_unions table for NJ only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Energy People
Energy People: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -1.4% from $18.4M (2025Q4) to $18.2M (2026Q1).
- Net-worth ratio shifted +0.30 pp (18.09% → 18.39%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 18.39% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 84/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 84.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 9.8 pts
- Member Growth 7.0 pts
- Loan-to-Share Ratio 12.2 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 18.39% | +3.53 pp |
| Delinquency Rate | 0.32% | -0.83 pp |
| Return on Assets | 0.15% | -0.55 pp |
| Member Growth | -1.09% | - |
| Loan-to-Share Ratio | 96.02% | +36.22 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).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $18.2M | - |
| 2025Q4 | $18.4M | 1,087 |
| 2024Q4 | $18.6M | 1,099 |
| 2023Q4 | $18.6M | 1,334 |
Credit Union Details
- Charter Number
- 13729
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- New Jersey
- City
- MEDFORD
- Data Quarter
- 2025Q4
Branch Locations (3)
The NCUA branch filing lists 3 physical offices for Energy People, spread across 2 cities.
| Office | City |
|---|---|
| Main (Main Office) | Tabernacle, NJ |
| Moorestown | Moorestown, NJ |
| Hughes Jr | Tabernacle, NJ |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New Jersey
A look at other New Jersey 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 People, both outside New Jersey 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 ($18.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (84/100 here).
Using this data
- Energy People ranks #2,061 of 4,374 nationally on financial health and #26 of 127 in NJ -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- 1166 is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with 1166
- Rates and health both vary by institution, not just by state -- see how New Jersey credit unions compare overall before assuming this one is typical. New Jersey 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 People financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Energy People carries a financial health score of 84/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #2,061 of 4,374; by total assets it ranks #3,195 of 4,374 nationally (same basis as /rankings/largest); and #68 of 127 within New Jersey. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 18.39% net worth ratio and a 0.32% delinquency rate.
How does Energy People compare to other credit unions?
On PlainCU's health composite, Energy People lands at 84/100, compared to a peer group average for $10M–$50M 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 People?
Energy People 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 People directly for the exact boundaries and application steps.
Is my money safe at Energy People?
Federal credit unions like Energy People 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 People's net worth ratio of 18.39% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Energy People offer compared to banks?
Credit unions like Energy People 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 People 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.