BlastPoint's Credit Union Scorecard
ENERGIZE
Charter #60994 · OK
ENERGIZE has 4 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.24% above tier average
- + Net Interest Margin 0.51% above tier average
- + Members Per Employee (MPE): Top 3.4% in tier
- + AMR Growth Rate: Top 8.6% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 1.45% above tier (higher cost structure)
- - Member decline: -16.8% YoY
- - Member Growth Rate: Bottom 2.6% in tier
- - Deposit Growth Rate: Bottom 6.1% in tier
- - Asset Growth Rate: Bottom 6.1% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,094
-16.8% YoY-4.9% QoQ
|
+417 |
2,676
+1.6% YoY
|
27,625
+2.9% YoY
|
33,913
+5.7% YoY
|
69% |
| Assets |
$25.7M
-8.9% YoY+0.5% QoQ
|
$-4.5M |
$30.2M
+1.3% YoY
|
$413.6M
+5.6% YoY
|
$578.3M
+9.0% YoY
|
55% |
| Loans |
$18.9M
-4.8% YoY-1.4% QoQ
|
+$3.7M |
$15.3M
-2.0% YoY
|
$253.0M
+3.1% YoY
|
$402.4M
+8.7% YoY
|
69% |
| Deposits |
$22.2M
-10.6% YoY+0.6% QoQ
|
$-3.6M |
$25.8M
+0.7% YoY
|
$348.7M
+5.1% YoY
|
$494.3M
+9.1% YoY
|
55% |
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| ROA |
0.4%
+30.2% QoQ
|
+0.2% |
0.1%
-77.6% YoY
|
0.3%
+194.5% YoY
|
0.4%
-39.2% YoY
|
39% |
| NIM |
4.5%
+26.7% YoY+4.7% QoQ
|
+0.5% |
4.0%
+4.0% YoY
|
3.9%
+1.6% YoY
|
3.8%
+4.1% YoY
|
77% |
| Efficiency Ratio |
92.1%
-9.0% YoY+2.5% QoQ
|
+1.5% |
90.6%
+6.5% YoY
|
85.0%
-0.4% YoY
|
84.6%
+2.8% YoY
|
73% |
| Delinquency Rate |
0.2%
+86.1% YoY-63.1% QoQ
|
-1.3 |
1.5%
+3.8% YoY
|
1.0%
-16.7% YoY
|
1.2%
+3.4% YoY
|
30% |
| Loan To Share |
85.5%
+6.5% YoY-2.0% QoQ
|
+27.0% |
58.5%
-3.0% YoY
|
68.5%
-1.8% YoY
|
65.6%
-1.4% YoY
|
Top 12.1% in tier |
| AMR |
$13,285
+10.6% YoY+4.8% QoQ
|
$-2K |
$14,884
-1.7% YoY
|
$18,267
+3.9% YoY
|
$19,920
+1.6% YoY
|
46% |
| CD Concentration |
33.4%
-14.7% YoY-3.1% QoQ
|
+9.1% | 24.3% | 22.8% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 14.5% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)