Energy

West Roxbury, MA · 2 · Charter #66369 · www.energycreditunion.org
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$124.4M
60th percentile
Members
5,620
30th percentile
Total loans
$87.6M
69th percentile
Total shares
$102.8M
58th percentile

Profitability

Return on assets
0.57%
21th percentile
Net interest margin
3.00%
18th percentile
Efficiency ratio
55.21%
71th percentile
Non-interest income ratio
5.19%
4th percentile

Capital & Risk

Net worth ratio
17.16%
87th percentile
Delinquency rate
1.40%
20th percentile
Net charge-off rate
0.11%
82th percentile
Loan-to-share
85.21%
80th percentile

Growth

Member growth YoY
-3.29%
22th percentile
Asset growth YoY
-5.24%
3th percentile
Loan growth YoY
0.80%
47th percentile
Share growth YoY
-7.48%
1th percentile

Operations

Members / branch
2,810
42th percentile
Assets / member
$22,139
90th percentile
Field of membership penetration
0.09%
0th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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