ENERGY
Charter #66369 · West Roxbury, MA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 5,616 sits at the 20th percentile of structural peers — worth a closer look.
- Net worth ratio of 16.69% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.02% ranks in the 5th percentile among structurally similar credit unions — a relative strength.
- On Loan-to-share, the asset-size band puts this credit union at the 74th percentile but its structural peers at the 39th — a 35-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 | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $129.05M | 19th pct | 21th pct |
| Members | 5,616 | 5th pct | 20th pct |
| Net worth ratio | 16.69% | 92th pct | 89th pct |
| Return on average assets | 0.57% | 40th pct | 36th pct |
| Net interest margin | 3.02% | 16th pct | 30th pct |
| Cost of funds | 1.58% | 71th pct | 49th pct |
| Loan-to-share | 82.54% | 74th pct | 39th pct |
| Delinquency 60+ days | 0.38% | 29th pct | 44th pct |
| Net charge-off ratio | -0.02% | 3th pct | 5th pct |
| Loan growth YoY | 3.43% | 78th pct | 80th pct |
| Share growth YoY | 1.29% | 20th pct | 33th pct |
| Efficiency ratio | 82.64% | 64th pct | 64th pct |
structural peer set hash: 685fa97dcea577d236fa7360b0e509fc… (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.