Credit Union Safety Analysis
Is Energize Credit Union Safe? Oklahoma City, Oklahoma
Based on its Q2 2026 NCUA 5300 call report, Energize Credit Union has a net worth ratio of 13.83%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.81%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Energize Credit Union's net worth ratio is 13.83%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 13.83%
- Delinquency ratio (60+ days) (Q2 2026): 0.81%
- Return on assets (Q2 2026): 0.59%
- Loan-to-share ratio (Q2 2026): 88.25%
Energize Credit Union (NCUA charter 60994, established 1967) reported $25.4M in assets and 2,741 members for Q2 2026 from Oklahoma City, Oklahoma. It ranks 37 of 51 credit unions in Oklahoma by total assets. Total assets fell 6.5% from $27.1M on June 30, 2025. It has 970 fewer members than on June 30, 2025 (-26.1%). Its net worth ratio was up 1.26 percentage points from 12.57% on June 30, 2025. Used vehicle loans are its largest loan category, $9.6M of $19.2M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.81% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 13.50% for Q1 2026; 12.57% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 0.23% for Q1 2026; 0.19% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 0.39% for Q1 2026; 0.65% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 85.47% for Q1 2026; 82.82% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $9.6M
- New vehicle loans: $6.0M
- Other secured non-real estate loans and lines of credit: $2.6M
- Other unsecured loans and lines of credit: $785K
- 1- to 4-family residential and other consumer real estate loans: $196K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $25.4M | 13.83% | 0.81% | 0.59% | 88.25% |
| March 31, 2026 | $25.7M | 13.50% | 0.23% | 0.39% | 85.47% |
| December 31, 2025 | $25.6M | 13.47% | 0.62% | -0.05% | 87.20% |
| September 30, 2025 | $26.4M | 13.09% | 0.39% | 0.61% | 83.16% |
| June 30, 2025 | $27.1M | 12.57% | 0.19% | 0.65% | 82.82% |
| March 31, 2025 | $28.2M | 11.92% | 0.12% | -0.04% | 80.29% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Regulator records: NCUA credit union profile (charter 60994) · FFIEC NIC profile (RSSD 270492)
Frequently asked questions
Is Energize Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Energize Credit Union's net worth ratio is 13.83%, above the 7% NCUA threshold for well capitalized.
Is Energize Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Energize Credit Union is a federally insured credit union (NCUA charter 60994): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Energize Credit Union's key safety ratios?
For Q2 2026, Energize Credit Union reports net worth 13.83%, delinquency 0.81%, ROA 0.59%, loan-to-share 88.25%.
What happens to my money if Energize Credit Union fails?
For Q2 2026, Energize Credit Union held $21.8M in shares and deposits for 2,741 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.