ENERGY
Charter #66369 | MA
100M-500M
(1077 CUs)
Micro
($0-$500M)
32 100M-500M in MA
ENERGY has 3 strengths but faces 16 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 25.9% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 8.2% in tier
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 8.3% in tier
- - Liquidity Overhang: Bottom 13.3% in tier
- - Accelerating Exit Risk: Bottom 13.7% in tier
- - Shrinking Wallet Share: Bottom 14.4% in tier
- - Efficiency Drag: Bottom 16.1% in tier
- - Stagnation Risk: Bottom 20.1% in tier
- - Wealth Migration Risk: Bottom 22.7% in tier
- - Membership Headwinds: Bottom 26.4% in tier
- - Institutional Decline: Bottom 31.3% in tier
- - ROA 0.24% below tier average
- - Efficiency ratio 4.96% above tier (higher cost structure)
- - Fee Income Per Member: Bottom 2.9% in tier
- - Deposit Growth Rate: Bottom 3.8% in tier
- - Total Members: Bottom 5.2% in tier
- - First Mortgage Concentration (%): Bottom 6.2% in tier
- - Asset Growth Rate: Bottom 7.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,818
-1.2% YoY-0.2% QoQ
|
-9.8K |
15,628
-3.4% YoY
|
27,447
+2.6% YoY
|
33,089
+6.1% YoY
|
Bottom 5.1% in tier |
| Assets |
$127.8M
-2.9% YoY-0.3% QoQ
|
$-103.5M |
$231.3M
-0.0% YoY
|
$440.2M
+4.2% YoY
|
$547.7M
+7.8% YoY
|
Bottom 19.1% in tier |
| Loans |
$85.8M
-2.3% YoY+0.4% QoQ
|
$-62.0M |
$147.8M
-1.4% YoY
|
$341.2M
+2.4% YoY
|
$388.7M
+8.6% YoY
|
26th in tier |
| Deposits |
$106.2M
-4.4% YoY-0.7% QoQ
|
$-94.1M |
$200.3M
-0.0% YoY
|
$366.8M
+5.5% YoY
|
$464.6M
+9.3% YoY
|
Bottom 15.3% in tier |
| ROA |
0.5%
+32.5% YoY+0.4% QoQ
|
-0.2% |
0.8%
+15.5% YoY
|
0.7%
+17.3% YoY
|
0.7%
+273.4% YoY
|
36th in tier |
| NIM |
2.9%
+1.6% YoY+3.1% QoQ
|
-0.7% |
3.6%
+6.9% YoY
|
3.3%
+3.8% YoY
|
3.7%
+5.0% YoY
|
Bottom 15.3% in tier |
| Efficiency Ratio |
82.2%
-0.6% YoY+0.2% QoQ
|
+5.0% |
77.3%
-3.0% YoY
|
80.4%
-4.7% YoY
|
79.1%
-3.3% YoY
|
68th in tier |
| Delinquency Rate |
0.4%
-70.4% YoY-81.7% QoQ
|
-0.4 |
0.9%
+7.6% YoY
|
0.9%
-6.0% YoY
|
1.2%
-0.9% YoY
|
29th in tier |
| Loan To Share |
80.8%
+2.2% YoY+1.1% QoQ
|
+8.1% |
72.7%
-1.5% YoY
|
74.2%
-1.7% YoY
|
68.0%
-1.7% YoY
|
65th in tier |
| AMR |
$33,000
-2.3% YoY+0.0% QoQ
|
+$9K |
$24,363
+2.9% YoY
|
$24,707
+3.7% YoY
|
$19,418
+1.3% YoY
|
Top 11.5% in tier |
| CD Concentration |
37.1%
-3.6% YoY-0.2% QoQ
|
+12.6% |
24.4%
+4.2% YoY
|
24.8%
+8.8% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
2.6%
-15.5% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (1)
Emerging Performer
growth
#486 of 627 • Top 25.9% in tier
Profitable credit union with positive returns. May represent growth potential worth exploring.
Why This Signature
Return on Assets:
0.54%
(Tier:
0.77%, National:
0.71%)
Member Growth (YoY):
-1.24%
(Tier:
0.88%, National:
9.37%)
627 of 1077 Community CUs have this signature
| 852 nationally
↑ Growing
+13 CUs YoY
|
Rank worsening
Concerns (9)
Deposit Outflow
decline
#50 of 114 • Bottom 8.3% in tier
Members staying but deposits leaving. They're losing to higher-yield competitors - rate pressure is real.
Why This Signature
Deposit Growth (YoY):
-4.38%
(Tier:
4.79%, National:
12.00%)
Total Assets:
$127.78M
(Tier: $231.30M, National: $547.69M)
114 of 1077 Community CUs have this signature
| 143 nationally
↓ Shrinking
-169 CUs YoY
|
New qualifier
Liquidity Overhang
risk
#207 of 552 • Bottom 13.3% in tier
Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.
Why This Signature
Net Worth Ratio:
16.69%
(Tier:
11.95%, National:
14.51%)
Loan-to-Share Ratio:
80.83%
(Tier:
74.56%, National:
67.96%)
552 of 1077 Community CUs have this signature
| 691 nationally
↑ Growing
+65 CUs YoY
|
Rank worsening
Accelerating Exit Risk
decline
#37 of 58 • Bottom 13.7% in tier
Members leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.
Why This Signature
Member Growth (YoY):
-1.24%
(Tier:
0.88%, National:
9.37%)
AMR Growth (YoY):
-2.26%
(Tier:
3.68%, National:
4.19%)
58 of 1077 Community CUs have this signature
| 73 nationally
↓ Shrinking
-89 CUs YoY
|
New qualifier
Shrinking Wallet Share
decline
#144 of 244 • Bottom 14.4% in tier
Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Why This Signature
AMR Growth (YoY):
-2.26%
(Tier:
3.68%, National:
4.19%)
244 of 1077 Community CUs have this signature
| 346 nationally
↓ Shrinking
-221 CUs YoY
|
New qualifier
Efficiency Drag
risk
#285 of 521 • Bottom 16.1% in tier
High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Why This Signature
Efficiency Ratio:
82.24%
(Tier:
77.15%, National:
79.10%)
ROA Change (YoY):
0.13% points
(Tier:
0.11% points, National:
0.05% points)
Member Growth (YoY):
-1.24%
(Tier:
0.88%, National:
9.37%)
521 of 1077 Community CUs have this signature
| 624 nationally
↓ Shrinking
-113 CUs YoY
|
Rank improving
Stagnation Risk
risk
#331 of 550 • Bottom 20.1% in tier
Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.
Why This Signature
Return on Assets:
0.54%
(Tier:
0.77%, National:
0.71%)
Member Growth (YoY):
-1.24%
(Tier:
0.88%, National:
9.37%)
Avg Member Relationship:
$33.0K
(Tier: $25.0K, National: $19.4K)
CD Concentration:
37.05%
(Tier:
24.41%, National:
19.60%)
550 of 1077 Community CUs have this signature
| 648 nationally
→ Stable (555→550 CUs)
-5 CUs YoY
|
Rank worsening
Wealth Migration Risk
decline
#26 of 28 • Bottom 22.7% in tier
High-value members moving money elsewhere despite stable membership. Your best customers are consolidating with competitors.
Why This Signature
Avg Member Relationship:
$33.0K
(Tier: $25.0K, National: $19.4K)
AMR Growth (YoY):
-2.26%
(Tier:
3.68%, National:
4.19%)
Total Assets:
$127.78M
(Tier: $231.30M, National: $547.69M)
28 of 1077 Community CUs have this signature
| 39 nationally
↓ Shrinking
-32 CUs YoY
|
New qualifier
Membership Headwinds
decline
#435 of 550 • Bottom 26.4% in tier
Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Why This Signature
Member Growth (YoY):
-1.24%
(Tier:
0.88%, National:
9.37%)
550 of 1077 Community CUs have this signature
| 648 nationally
→ Stable (555→550 CUs)
-5 CUs YoY
|
Rank worsening
Institutional Decline
decline
#247 of 256 • Bottom 31.3% in tier
Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Why This Signature
Total Assets:
$127.78M
(Tier: $231.30M, National: $547.69M)
Member Growth (YoY):
-1.24%
(Tier:
0.88%, National:
9.37%)
Loan Growth (YoY):
-2.32%
(Tier:
3.64%, National:
36.38%)
256 of 1077 Community CUs have this signature
| 293 nationally
↓ Shrinking
-43 CUs YoY
|
New qualifier
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)
Top Strengths (6 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 13.34%
#1 of 1077
Top 0.0% in 100M-500M tier
89
Net Worth Ratio
risk
Value:
16.69%
Peer Avg: 12.15%
#89 of 1077
Top 8.2% in 100M-500M tier
123
Loan-to-Member Ratio (LMR)
engagement
Value:
$14,751
Peer Avg: $10,245
#123 of 1077
Top 11.3% in 100M-500M tier
124
Average Member Relationship (AMR)
engagement
Value:
$33,000
Peer Avg: $24,363
#124 of 1077
Top 11.4% in 100M-500M tier
182
Net Charge-Off Rate
risk
Value:
0.11%
Peer Avg: 0.47%
#182 of 1077
Top 16.8% in 100M-500M tier
241
Members Per Employee (MPE)
engagement
Value:
387.867
Peer Avg: 332.881
#241 of 1077
Top 22.3% in 100M-500M tier
Top Weaknesses (11 metrics)
1047
Fee Income Per Member
profitability
Value:
$50.81
Peer Avg: $174.31
#1047 of 1077
Bottom 2.9% in 100M-500M tier
1037
Deposit Growth Rate
growth
Value:
-4.38%
Peer Avg: 4.69%
#1037 of 1077
Bottom 3.8% in 100M-500M tier
1022
Total Members
engagement
Value:
5,818
Peer Avg: 15,628
#1022 of 1077
Bottom 5.2% in 100M-500M tier
1011
First Mortgage Concentration (%)
balance_sheet
Value:
59.44%
Peer Avg: 30.43%
#1011 of 1077
Bottom 6.2% in 100M-500M tier
1000
Asset Growth Rate
growth
Value:
-2.90%
Peer Avg: 4.70%
#1000 of 1077
Bottom 7.2% in 100M-500M tier
963
AMR Growth Rate
growth
Value:
-2.26%
Peer Avg: 3.64%
#963 of 1077
Bottom 10.7% in 100M-500M tier
955
Share Certificate Concentration (%)
balance_sheet
Value:
37.05%
Peer Avg: 23.61%
#955 of 1077
Bottom 11.4% in 100M-500M tier
912
Net Interest Margin (NIM)
profitability
Value:
2.89%
Peer Avg: 3.58%
#912 of 1077
Bottom 15.4% in 100M-500M tier
912
Total Deposits
balance_sheet
Value:
$106.17M
Peer Avg: $200.29M
#912 of 1077
Bottom 15.4% in 100M-500M tier
871
Total Assets
balance_sheet
Value:
$127.78M
Peer Avg: $231.30M
#871 of 1077
Bottom 19.2% in 100M-500M tier