Energy One Credit Union

Energy One Credit Union is headquartered in Tulsa and is the 10^st largest credit union in the state of Oklahoma. It is also the 786^th largest credit union in the nation. It was established in 1935 and as of December of 2012, it had grown to 67 employees and 19,717 members. Energy One Credit Union has a 3-star health rating.

Energy One Credit Union Savings Account Rates

Energy One Credit Union Money Market Rates

Energy One Credit Union CD Rates

Data for Q4 2012

Institution Statistics ENERGY ONE NCUA # 256 BankRate Report View Year Chartered 1935 Employees 67 Primary Regulator Assets and Liabilities Assets $241.21 million Loans $137.06 million Deposits $222.03 million Equity Capital $16.91 million Loan Loss Allowance $200,000 Unbacked Noncurrent Loans $3.70 million Historic Data - December 2011 Assets $191.37 million Equity Capital $12.88 million Loan Loss Allowance $137,000 Unbacked Noncurrent Loans $2.64 million Profit Margin - Quarterly Net Interest Margin 4.06% Return on Assets 0.77% Return on Equity 10.99% Interest Income $7.02 million Non-Interest Income $3.78 million

Institution Health Overall Score: 3 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2012 Energy One Credit Union had $3.7 million in non-current loans and owned real-estate with $17.11 million in equity and loan loss allowances on hand to cover it. This gives Energy One Credit Union a Texas Ratio of 21.63% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Energy One Credit Union held steady from 20.29% as of December 31, 2011 to 21.63% as of December 31, 2012, resulting in a negative change of 6.59%. This indicates that the balance sheet and financial strength for Energy One Credit Union has held steady in recent periods. Deposit Growth In the past year, Energy One Credit Union has increased its total deposits by $45.3 million, resulting in 25.63% 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 Energy One Credit Union has shown is excellent. Capitalization 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. Energy One Credit Union has $241.21 million in assets with $17.11 million in equity, resulting in a capitalization level of 7.09%, which is below average.

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