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
Call Report peers
Energy People in the assets neighbourhood
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Energy People vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Energy People sits in 80-84 with 767 others.
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: 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%).
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.
- One place up in New Jersey, Goya Foods Employees (#25) ties at 84/100; one place down, Peoples Transport (#27) ties at 84/100.
Quarter path for Energy People
Energy People: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -1.4% from $18.4M (2025Q4) to $18.2M (2026Q1).
- Net-worth ratio shifted +0.30 pp (18.09% → 18.39%).
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
Energy People gives up 16 points in total. Member Growth costs the most, 8 of its 15; Net Worth Ratio and Delinquency Rate score full marks.
- 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Energy People financially healthy?
On its 2025Q4 NCUA 5300 filing, Energy People scores 84/100 (Excellent), with a 18.39% net worth ratio and 0.32% of loans delinquent. It ranks #2,061 of 4,374 nationally on health and #26 of 127 in New Jersey.
How does Energy People compare to other credit unions?
Energy People scores 84/100, higher than 50% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (96.02% vs 59.80%). Its widest shortfall is return on assets (0.15% vs 0.70%).
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?
Energy People 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 People's net worth ratio of 18.39% 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.