Energy One Credit Union

Energy One Credit Union is headquartered in Tulsa and is the 12^st largest credit union in the state of Oklahoma. It is also the 889^th largest credit union in the nation. It was established in 1935 and as of December of 2011, it had grown to 63 employees and 15,669 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 2011

Institution Statistics ENERGY ONE NCUA # 256 BankRate Report View Year Chartered 1935 Employees 63 Primary Regulator Assets and Liabilities Assets $191.37 million Loans $113.09 million Deposits $176.73 million Equity Capital $12.88 million Loan Loss Allowance $137,000 Unbacked Noncurrent Loans $2.64 million Historic Data - December 2010 Assets $183.94 million Equity Capital $12.72 million Loan Loss Allowance $123,000 Unbacked Noncurrent Loans $1.86 million Profit Margin - Quarterly Net Interest Margin 4.17% Return on Assets 0.09% Return on Equity 1.28% Interest Income $6.42 million Non-Interest Income $1.67 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, 2011 Energy One Credit Union had $2.64 million in non-current loans and owned real-estate with $13.02 million in equity and loan loss allowances on hand to cover it. This gives Energy One Credit Union a Texas Ratio of 20.29% 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 increased slightly from 14.48% as of December 31, 2010 to 20.29% as of December 31, 2011, resulting in a negative change of 40.12%. This indicates that the balance sheet and financial strength for Energy One Credit Union has declined slightly in recent periods. Deposit Growth In the past year, Energy One Credit Union has increased its total deposits by $6.58 million, resulting in 3.87% 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 above average. 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 $191.37 million in assets with $13.02 million in equity, resulting in a capitalization level of 6.80%, which is below average.

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