Encentus Federal Credit Union

Overview / Commentary

www.encentusfcu.org

918-430-3500

1320 S Lewis Ave
Tulsa, OK 74104

Encentus Federal Credit Union is headquartered in Tulsa and is the 38^th largest credit union in the state of Oklahoma. It is also the 2,926^th largest credit union in the nation. It was established in 1970 and as of September of 2019, it had grown to 11 employees and 4,906 members at 1 location. Encentus Federal Credit Union's CD rates are 2X the national average, and it has a B health rating.

Field of Membership Restrictions

Membership is open to anyone working in the medical field in Northeaster Oklahoma.
See current membership details

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Health

Data as of Q3 2019

Learn why bank health matters

Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Encentus Federal Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #	20015
Year Chartered	1970
Employees	11
Primary Regulator

Profit Margin
Return on Assets - YTD	0.1%
Return on Equity - YTD	0.8%
Annual Interest Income	$787.00K

Assets and Liabilities
Assets	Q3 2019vs Q3 2018	$29.0MM$28.9MM
Loans	Q3 2019vs Q3 2018	$22.5MM$23.4MM
Deposits	Q3 2019vs Q3 2018	$25.1MM$24.7MM
Equity Capital	Q3 2019vs Q3 2018	$3.5MM$3.5MM
Loan Loss Allowance	Q3 2019vs Q3 2018	$229.00K$60.00K
Unbacked Noncurrent Loans	Q3 2019vs Q3 2018	$129.00K$180.00K
Real Estate Owned	Q3 2019vs Q3 2018	$0$0

Rates

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Savings
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Encentus Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.85%^*	$25k^*	-	IRA Savings
OTHER TIERS: 0.55% → $50 - $10k \| 0.70% → $10k - $25k
0.65%^*	$50k^*	-	Regular Shares Account
OTHER TIERS: 0.25% → $50 - $1k \| 0.35% → $1k - $10k \| 0.55% → $10k - $50k
0.45%^*	$1k^*	$3k	Club Savings Account
OTHER TIERS: 0.35% → $50 - $1k

Encentus Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.12%	$500	-	6 Month Share Certificate
2.12%	$500	-	12 Month Share Certificate
2.12%	$500	-	18 Month Share Certificate
2.12%	$500	-	24 Month Share Certificate
2.12%	$500	-	30 Month Share Certificate
2.12%	$500	-	36 Month Share Certificate
2.02%	$500	-	3 Month Share Certificate

Encentus Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
2.12%	$500	-	6 Month IRA Certificate
2.12%	$500	-	12 Month IRA Certificate
2.12%	$500	-	18 Month IRA Certificate
2.12%	$500	-	24 Month IRA Certificate
2.12%	$500	-	30 Month IRA Certificate
2.12%	$500	-	36 Month IRA Certificate
2.02%	$500	-	3 Month IRA Certificate

Locations

Encentus Federal Credit Union Locations
Branch Office	1320 S Lewis Ave	Tulsa, OK 74104

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