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Overview / Commentary
P.O. Box 54309
Oklahoma City, OK 73154

Energize Credit Union is headquartered in Oklahoma City and is the 40th largest credit union in the state of Oklahoma. It is also the 3,139th largest credit union in the nation. It was established in 1967 and as of March of 2014, it had grown to 3 employees and 3,521 members. Energize Credit Union has a B+ health rating.

Field of Membership Restrictions

Must be a member of the Electric Cooperative of Oklahoma or Pioneer Telephone Cooperative . - See Details

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Data for Q1 2014

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Energize Credit Union has a low asset base.

Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Energize Credit Union had $76,000 in non-current loans and owned real-estate with $2.78 million in equity and loan loss allowances on hand to cover it. This gives Energize Credit Union a Texas Ratio of 2.73% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Energize Credit Union experienced no significant changes from 1.55% as of March 31, 2013 to 2.73% as of March 31, 2014, resulting in a negative change of 76.72%. This indicates that the balance sheet and financial strength for Energize Credit Union has had no significant changes in recent periods.

Deposit Growth


In the past year, Energize Credit Union has increased its total deposits by $379,000, resulting in 1.61% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Energize Credit Union has shown is above average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Energize Credit Union has $26.58 million in assets with $2.78 million in equity, resulting in a capitalization level of 10.46%, which is above average.

Institution Statistics

NCUA #60994
Year Chartered1967
Primary Regulator
Assets and Liabilities
Assets$26.58 million
Loans$15.05 million
Deposits$23.85 million
Equity Capital$2.69 million
Loan Loss Allowance$90,000
Unbacked Noncurrent Loans$76,000
Real Estate Owned$0
Historic Data - March 2013
Assets$26.29 million
Equity Capital$2.79 million
Loan Loss Allowance$118,000
Unbacked Noncurrent Loans$76,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin0.98%
Return on Assets0.08%
Return on Equity0.74%
Interest Income$177,000
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Energize Credit Union Savings Account Rates

0.20%--Savings Account

Energize Credit Union CD Rates

0.80%$1k-24 Month CD
0.50%$1k-12 Month CD
0.40%$1k-6 Month CD

Energize Credit Union Locations
Branch Office2325 E I 44 Service RdOklahoma City, OK 73111-8219