BlastPoint's Credit Union Scorecard
ENERGIZE
Charter #60994 · OK
ENERGIZE has 4 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.16% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 2.5% in tier
Key Concerns
Areas that may need attention
- - ROA 0.28% below tier average
- - Efficiency ratio 7.88% above tier (higher cost structure)
- - Member decline: -10.0% YoY
- - Asset Growth Rate: Bottom 5.9% in tier
- - Member Growth Rate: Bottom 5.9% in tier
- - Deposit Growth Rate: Bottom 6.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,334
-10.0% YoY-10.2% QoQ
|
+708 |
2,625
-2.2% YoY
|
27,533
+2.7% YoY
|
33,089
+6.1% YoY
|
72% |
| Assets |
$26.4M
-9.5% YoY-2.9% QoQ
|
$-3.5M |
$29.9M
+1.1% YoY
|
$405.5M
+5.4% YoY
|
$547.7M
+7.8% YoY
|
56% |
| Loans |
$19.0M
-8.9% YoY-3.1% QoQ
|
+$3.2M |
$15.8M
-2.4% YoY
|
$252.8M
+1.3% YoY
|
$388.7M
+8.6% YoY
|
69% |
| Deposits |
$22.8M
-11.0% YoY-3.5% QoQ
|
$-2.6M |
$25.5M
+0.4% YoY
|
$336.4M
+4.6% YoY
|
$464.6M
+9.3% YoY
|
57% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.4%
-167.4% YoY+37.0% QoQ
|
-0.3% |
0.7%
-731.4% YoY
|
0.6%
+31.7% YoY
|
0.7%
+273.4% YoY
|
32% |
| NIM |
4.1%
+34.4% YoY+6.4% QoQ
|
+0.2% |
3.9%
+3.8% YoY
|
3.9%
+3.8% YoY
|
3.7%
+5.0% YoY
|
58% |
| Efficiency Ratio |
89.3%
-18.1% YoY-3.5% QoQ
|
+7.9% |
81.4%
-2.4% YoY
|
79.2%
-1.1% YoY
|
79.1%
-3.3% YoY
|
75% |
| Delinquency Rate |
0.4%
+56.2% YoY+103.9% QoQ
|
-1.1 |
1.5%
-2.0% YoY
|
1.1%
-4.2% YoY
|
1.2%
-0.9% YoY
|
37% |
| Loan To Share |
83.2%
+2.4% YoY+0.4% QoQ
|
+21.9% |
61.2%
-3.0% YoY
|
71.1%
-2.1% YoY
|
68.0%
-1.7% YoY
|
81% |
| AMR |
$12,542
-0.1% YoY+7.6% QoQ
|
$-2K |
$14,627
-2.7% YoY
|
$17,893
+3.6% YoY
|
$19,418
+1.3% YoY
|
43% |
| CD Concentration |
35.0%
-15.1% YoY-3.7% QoQ
|
+10.6% |
24.4%
+4.2% YoY
|
23.2%
+1.7% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
15.2%
-17.2% YoY
|
7.9%
-2.9% YoY
|
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)