BlastPoint's Credit Union Scorecard
ENERGIZE
Charter #60994 · OK
ENERGIZE has 3 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.37% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 2.8% in tier
Key Concerns
Areas that may need attention
- - ROA 0.32% below tier average
- - Efficiency ratio 7.32% above tier (higher cost structure)
- - Member decline: -12.7% YoY
- - Member Growth Rate: Bottom 3.7% in tier
- - Asset Growth Rate: Bottom 4.6% in tier
- - Deposit Growth Rate: Bottom 5.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,254
-12.7% YoY-2.4% QoQ
|
+638 |
2,615
-1.9% YoY
|
27,482
+2.5% YoY
|
33,374
+5.7% YoY
|
70% |
| Assets |
$25.6M
-9.9% YoY-2.9% QoQ
|
$-4.6M |
$30.1M
+2.1% YoY
|
$405.9M
+5.4% YoY
|
$561.6M
+9.7% YoY
|
55% |
| Loans |
$19.2M
-5.0% YoY+1.2% QoQ
|
+$3.5M |
$15.8M
-1.3% YoY
|
$252.1M
+2.0% YoY
|
$397.0M
+8.8% YoY
|
69% |
| Deposits |
$22.0M
-11.7% YoY-3.5% QoQ
|
$-3.7M |
$25.7M
+1.4% YoY
|
$340.9M
+4.8% YoY
|
$477.3M
+9.7% YoY
|
55% |
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| ROA |
0.3%
-152.7% YoY-25.9% QoQ
|
-0.3% |
0.6%
+10.8% YoY
|
0.5%
+4.6% YoY
|
0.7%
+15.9% YoY
|
30% |
| NIM |
4.3%
+38.3% YoY+5.6% QoQ
|
+0.4% |
4.0%
+4.0% YoY
|
3.9%
+3.6% YoY
|
3.8%
+5.1% YoY
|
67% |
| Efficiency Ratio |
89.9%
-18.5% YoY+0.7% QoQ
|
+7.3% |
82.6%
-2.3% YoY
|
81.1%
+0.6% YoY
|
79.7%
-3.3% YoY
|
75% |
| Delinquency Rate |
0.6%
+401.8% YoY+60.4% QoQ
|
-0.9 |
1.6%
-3.1% YoY
|
1.2%
+8.0% YoY
|
1.3%
-2.1% YoY
|
46% |
| Loan To Share |
87.2%
+7.5% YoY+4.9% QoQ
|
+26.6% |
60.6%
-3.1% YoY
|
70.1%
-2.3% YoY
|
67.4%
-1.7% YoY
|
Top 12.9% in tier |
| AMR |
$12,678
+4.6% YoY+1.1% QoQ
|
$-2K |
$14,783
-1.4% YoY
|
$18,047
+3.6% YoY
|
$19,687
+2.0% YoY
|
44% |
| CD Concentration |
34.5%
-13.0% YoY-1.6% QoQ
|
+10.0% | 24.4% | 23.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 14.8% | 7.8% | 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)