Encentus

Tulsa, OK · 1 · Charter #20015 · www.encentusfcu.org
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
$20.8M
63th percentile
Members
4,580
96th percentile
Total loans
$7.3M
55th percentile
Total shares
$17.7M
64th percentile

Profitability

Return on assets
-0.11%
13th percentile
Net interest margin
4.03%
52th percentile
Efficiency ratio
96.18%
8th percentile
Non-interest income ratio
39.63%
97th percentile

Capital & Risk

Net worth ratio
17.42%
63th percentile
Delinquency rate
4.01%
10th percentile
Net charge-off rate
0.58%
29th percentile
Loan-to-share
41.16%
23th percentile

Growth

Member growth YoY
-0.80%
57th percentile
Asset growth YoY
1.08%
50th percentile
Loan growth YoY
-8.51%
29th percentile
Share growth YoY
5.60%
78th percentile

Operations

Members / branch
4,580
99th percentile
Assets / member
$4,550
14th percentile
Field of membership penetration
2.84%
13th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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