Energize

OKLAHOMA CITY, OK · 2 · Charter #60994 · www.energize.coop/
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$25.6M
71th percentile
Members
3,254
88th percentile
Total loans
$19.2M
87th percentile
Total shares
$22.0M
72th percentile

Profitability

Return on assets
0.48%
34th percentile
Net interest margin
4.39%
65th percentile
Efficiency ratio
68.90%
45th percentile
Non-interest income ratio
5.57%
36th percentile

Capital & Risk

Net worth ratio
13.47%
40th percentile
Delinquency rate
0.62%
53th percentile
Net charge-off rate
0.03%
70th percentile
Loan-to-share
87.20%
85th percentile

Growth

Member growth YoY
-12.74%
4th percentile
Asset growth YoY
-9.90%
5th percentile
Loan growth YoY
-5.03%
41th percentile
Share growth YoY
-11.67%
6th percentile

Operations

Members / branch
3,254
93th percentile
Assets / member
$7,864
37th percentile
Field of membership penetration
65.08%
81th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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