ENERGIZE
Charter #60994 · OKLAHOMA CITY, OK · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 3,094 ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.23% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 92.09% sits at the 80th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 51st percentile but its structural peers at the 70th — a 19-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 | ENERGIZE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $25.72M | 51th pct | 70th pct |
| Members | 3,094 | 78th pct | 79th pct |
| Net worth ratio | 13.50% | 49th pct | 34th pct |
| Return on average assets | 0.39% | 35th pct | 36th pct |
| Net interest margin | 4.53% | 79th pct | 62th pct |
| Cost of funds | 1.26% | 69th pct | 54th pct |
| Loan-to-share | 85.47% | 90th pct | 74th pct |
| Delinquency 60+ days | 0.23% | 32th pct | 21th pct |
| Net charge-off ratio | 0.04% | 41th pct | 41th pct |
| Loan growth YoY | -0.23% | 69th pct | 52th pct |
| Share growth YoY | -2.92% | 9th pct | 16th pct |
| Efficiency ratio | 92.09% | 77th pct | 80th pct |
structural peer set hash: 15d2fb5f39a25f82c21ad31979043d45… (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.