ENERGY PLUS
Charter #65458 · Indianapolis, IN · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of -0.06% sits at the 21st percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.38% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 92nd percentile but its structural peers at the 54th — a 38-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 PLUS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $44.96M | 92th pct | 54th pct |
| Members | 3,840 | 89th pct | 57th pct |
| Net worth ratio | 15.67% | 64th pct | 74th pct |
| Return on average assets | -0.06% | 16th pct | 21th pct |
| Net interest margin | 4.66% | 83th pct | 72th pct |
| Cost of funds | 1.39% | 74th pct | 72th pct |
| Loan-to-share | 82.30% | 86th pct | 66th pct |
| Delinquency 60+ days | 0.38% | 40th pct | 25th pct |
| Net charge-off ratio | 0.65% | 77th pct | 67th pct |
| Loan growth YoY | -2.90% | 46th pct | 41th pct |
| Share growth YoY | 0.27% | 28th pct | 31th pct |
| Efficiency ratio | 88.94% | 71th pct | 64th pct |
structural peer set hash: 3e4301c34fd9a8ccde04a0d72d01a212… (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.