ENERGY ONE
Charter #256 · Tulsa, OK · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 2.86% sits at the 5th percentile of structural peers — worth a closer look.
- Cost of funds of 1.79% sits at the 87th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.41% sits at the 95th percentile of structural peers — worth a closer look.
- On Return on average assets, the asset-size band puts this credit union at the 54th percentile but its structural peers at the 36th — a 18-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | ENERGY ONE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $308.18M | 74th pct | 57th pct |
| Members | 16,745 | 66th pct | 54th pct |
| Net worth ratio | 11.29% | 47th pct | 54th pct |
| Return on average assets | 0.75% | 54th pct | 36th pct |
| Net interest margin | 2.86% | 9th pct | 5th pct |
| Cost of funds | 1.79% | 80th pct | 87th pct |
| Loan-to-share | 63.84% | 34th pct | 38th pct |
| Delinquency 60+ days | 1.41% | 88th pct | 95th pct |
| Net charge-off ratio | 0.54% | 68th pct | 72th pct |
| Loan growth YoY | 1.01% | 57th pct | 54th pct |
| Share growth YoY | 8.22% | 93th pct | 87th pct |
| Efficiency ratio | 74.17% | 35th pct | 39th pct |
structural peer set hash: 300f465bbd1333c491f16b2489c1b938… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.