BlastPoint's Credit Union Scorecard
ENERGY ONE
Charter #256 · OK
ENERGY ONE has 2 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + AMR Growth Rate: Top 5.2% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Delinquency rate 0.63% above tier average
- - Member decline: -8.1% YoY
- - Member Growth Rate: Bottom 5.1% in tier
- - Net Interest Margin (NIM): Bottom 8.2% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
16,745
-8.1% YoY-1.7% QoQ
|
+1.6K |
15,145
-2.5% YoY
|
27,625
+2.9% YoY
|
33,913
+5.7% YoY
|
66% |
| Assets |
$308.2M
+9.4% YoY+6.4% QoQ
|
+$76.5M |
$231.7M
+0.8% YoY
|
$413.6M
+5.6% YoY
|
$578.3M
+9.0% YoY
|
74% |
| Loans |
$162.4M
+3.1% YoY+0.5% QoQ
|
+$18.2M |
$144.1M
+0.2% YoY
|
$253.0M
+3.1% YoY
|
$402.4M
+8.7% YoY
|
66% |
| Deposits |
$254.4M
+4.0% YoY+9.0% QoQ
|
+$53.2M |
$201.1M
+0.4% YoY
|
$348.7M
+5.1% YoY
|
$494.3M
+9.1% YoY
|
72% |
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| ROA |
0.7%
+16.0% YoY+226.7% QoQ
|
+0.0% |
0.7%
+5.1% YoY
|
0.3%
+194.5% YoY
|
0.4%
-39.2% YoY
|
53% |
| NIM |
2.8%
-3.1% YoY-4.4% QoQ
|
-0.9% |
3.6%
+4.6% YoY
|
3.9%
+1.6% YoY
|
3.8%
+4.1% YoY
|
Bottom 8.1% in tier |
| Efficiency Ratio |
74.2%
+1.9% YoY-5.4% QoQ
|
-3.9% |
78.0%
-1.7% YoY
|
85.0%
-0.4% YoY
|
84.6%
+2.8% YoY
|
34% |
| Delinquency Rate |
1.4%
-17.3% YoY-6.8% QoQ
|
+0.6 |
0.8%
+7.1% YoY
|
1.0%
-16.7% YoY
|
1.2%
+3.4% YoY
|
Bottom 12.5% in tier |
| Loan To Share |
63.8%
-1.0% YoY-7.8% QoQ
|
-6.6% |
70.4%
-0.4% YoY
|
68.5%
-1.8% YoY
|
65.6%
-1.4% YoY
|
34% |
| AMR |
$24,888
+12.8% YoY+7.4% QoQ
|
$-30 |
$24,918
+2.7% YoY
|
$18,267
+3.9% YoY
|
$19,920
+1.6% YoY
|
61% |
| CD Concentration |
32.0%
+0.9% YoY-9.0% QoQ
|
+7.7% | 24.3% | 22.8% | 19.8% | 50% |
| Indirect Auto % |
12.1%
-20.6% YoY-1.2% QoQ
|
-1.7% | 13.8% | 14.5% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (2)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)