BlastPoint's Credit Union Scorecard
ENERGIZE
Charter #60994 · OK
ENERGIZE has 3 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.70% above tier average
- + AMR Growth Rate: Top 1.7% in tier
- + Members Per Employee (MPE): Top 5.0% in tier
Key Concerns
Areas that may need attention
- - ROA 1.00% below tier average
- - Efficiency ratio 1.48% above tier (higher cost structure)
- - Member decline: -26.1% YoY
- - Member Growth Rate: Bottom 1.1% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 25 that size in Oklahoma.
- Shares and deposits -7.9% year over year ($21.8M in shares and deposits).
- Membership: 2,741 members, -26.1% vs a year ago.
- Delinquency rate 0.81%.
- Return on assets 0.49%.
- Efficiency ratio 90.24% vs a 88.77% peer average.
- Loan-to-share ratio 88.25% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,741
-26.1% YoY-11.4% QoQ
|
+155 |
2,585
-1.7% YoY
|
28,343
+3.0% YoY
|
34,678
+6.6% YoY
|
64% |
| Assets |
$25.4M
-6.5% YoY-1.3% QoQ
|
$-4.9M |
$30.3M
+1.5% YoY
|
$422.2M
+5.5% YoY
|
$593.1M
+10.2% YoY
|
54% |
| Loans |
$19.2M
-1.9% YoY+1.5% QoQ
|
+$3.8M |
$15.5M
-1.7% YoY
|
$261.4M
+3.6% YoY
|
$418.6M
+10.1% YoY
|
69% |
| Deposits |
$21.8M
-7.9% YoY-1.7% QoQ
|
$-4.0M |
$25.8M
+1.1% YoY
|
$356.1M
+5.9% YoY
|
$504.8M
+10.3% YoY
|
54% |
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| ROA |
0.5%
+67.0% YoY+26.4% QoQ
|
-1.0% |
1.5%
+241.5% YoY
|
0.8%
+38.1% YoY
|
1.2%
+121.4% YoY
|
30% |
| NIM |
4.6%
+19.6% YoY+1.7% QoQ
|
+0.7% |
3.9%
+0.9% YoY
|
4.0%
+2.7% YoY
|
3.8%
+2.3% YoY
|
79% |
| Efficiency Ratio |
90.2%
-2.4% YoY-2.0% QoQ
|
+1.5% |
88.8%
-6.9% YoY
|
80.0%
+0.4% YoY
|
83.0%
-5.3% YoY
|
72% |
| Delinquency Rate |
0.8%
+326.2% YoY+253.3% QoQ
|
-0.7 |
1.5%
+2.1% YoY
|
0.9%
-29.0% YoY
|
1.3%
+2.6% YoY
|
54% |
| Loan To Share |
88.2%
+6.6% YoY+3.3% QoQ
|
+29.4% |
58.9%
-3.1% YoY
|
69.7%
-2.0% YoY
|
66.4%
-1.4% YoY
|
Top 10.9% in tier |
| AMR |
$14,956
+28.4% YoY+12.6% QoQ
|
$-7 |
$14,963
-6.8% YoY
|
$18,336
+3.3% YoY
|
$20,028
-0.9% YoY
|
55% |
| CD Concentration |
33.5%
-7.9% YoY+0.3% QoQ
|
+9.0% | 24.6% | 22.8% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 14.2% | 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)