State credit union · Indianapolis, Indiana · NCUA charter #65458
Energy Plus
Health score 90/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 90
- Health / 100
- $44.0M
- Total assets
- 3,881
- Members
- 15.7%
- Net-worth ratio
Energy Plus scores 90/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $44.0M; members 3,881; net-worth ratio 15.67%; health rank #1,059 of 4,374; healthier than 73rd of scored peers.
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#1,059 of 4,374 health · 2025Q4Energy Plus · health 90/100 · $44.0M · 2025Q4
Call Report peers
Energy Plus in the assets neighbourhood
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Energy Plus vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Energy Plus sits in 90-94 with 747 others.
90 Top 27% higher than 73% 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
Peer-gap read for Energy Plus
- Largest favorable gap: Loan-to-Share Ratio at 87.17% vs peer 59.80% (+27.37 pp).
Energy Plus: in-state Call Report ranks
- Health composite ranks #27 of 124 among scored Indiana credit unions.
- Indiana assets place: #71 of 124.
- Indiana membership ordinal: #69 of 124.
- One place up in Indiana, NATCO (#26) ties at 90/100; one place down, Midwest America (#28) ties at 90/100.
Quarter path for Energy Plus
Energy Plus: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.2% from $44.0M (2025Q4) to $45.0M (2026Q1).
- Net-worth ratio shifted -0.36 pp (16.03% → 15.67%).
At 15.67%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 90/100 score is built
Energy Plus gives up 10 points in total. Member Growth costs the most, 9.8 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 5.2 pts
- Loan-to-Share Ratio 14.8 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 15.67% | +0.81 pp |
| Delinquency Rate | 0.29% | -0.86 pp |
| Return on Assets | 0.84% | +0.13 pp |
| Member Growth | -2.09% | - |
| Loan-to-Share Ratio | 87.17% | +27.37 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Call Report history - Energy Plus
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $45.0M | - |
| 2025Q4 | $44.0M | 3,881 |
| 2024Q4 | $44.6M | 3,964 |
| 2023Q4 | $40.0M | 4,015 |
Credit Union Details
- Charter Number
- 65458
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Indiana
- City
- Indianapolis
- Data Quarter
- 2025Q4
Branch Locations (3)
Per its most recent NCUA branch filing, Energy Plus runs 3 offices in 2 different cities.
| Office | City |
|---|---|
| Main Office (Main Office) | Indianapolis, IN |
| Citizen's Gas Branch | Indianapolis, IN |
| Petersburg Branch | Petersburg, IN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Indiana
Other federally-insured credit unions in Indiana, closest first by peer group and asset size.
Cross-state Call Report peers for Energy Plus
Similar total assets
Using this data
- Energy Plus ranks #1,059 of 4,374 nationally on financial health and #27 of 124 in IN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Vigo County is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Vigo County
Frequently Asked Questions
Is Energy Plus financially healthy?
Energy Plus has a financial health score of 90/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,059 of 4,374 nationally on health and #27 of 124 in Indiana. Its net worth ratio is 15.67% and its delinquency rate 0.29%.
How does Energy Plus compare to other credit unions?
Energy Plus scores 90/100, higher than 73% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (87.17% vs 59.80%).
How can I join Energy Plus?
Membership eligibility for Energy Plus depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Energy Plus directly for current membership requirements and application steps.
Is my money safe at Energy Plus?
Energy Plus is a state-chartered 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 Plus's net worth ratio of 15.67% 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.