EnerBank USA
EnerBank USA is headquartered in Salt Lake City and is the 14th largest bank in the state of Utah. It is also the 425th largest bank in the nation. It was established in 2002 and as of December of 2018, it had grown to 311 employees at 1 location. EnerBank USA has an A+ health rating.
Good Experience
Telephone application process was simple and painless. A decision made for an emergency HVAC replacement to keep cash. Plumbing company recommended. Documents arrived quickly and website efficient, making payments easy. Excellent early repayment offer.
Two Time Customer Rates A Positive Experience.
You assisted us twice in times of great need--much appreciated.
Online Account Access Is Non-Existent
The only thing a customer can do online is pay their bill. One cannot see their account online, can't look up interest payments or see anything because there is NO ONLINE account information. Oh, but they are more than happy to FAX or MAIL the information to you. Their customer service is hamstrung. They can't even look up the info to give it to one over the phone. No place to sign in on their website. This also means that one's account can't be linked to Mint.com, where one can monitor all of their accounts in one place. It is all manual, which is archaic at the end of 2018. It is so frustrating. If it weren't for their wonderful customer service, good interest rate and ease of getting a loan, it would be unbearable. Oh, and they took my account off of auto payments after one year and told me it was in the fine print. REALLY?!! So my 13th payment was late (after a full year of on time payments) and they charged me a late fee! Thankfully, their customer service is good and they waived the fee, but what a hassle. No notice and they screwed up a perfectly good payment program. Why would they do that?!
Awesome Service
Wonderful service. Great people to talk to. When need a loan that help through the hole process
Data as of Q4 2018
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| FDIC Certificate # | 57293 |
| Year Established | 2002 |
| Employees | 311 |
| Primary Regulator | FDIC |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 2.29% |
| Return on Equity - YTD | 18.28% |
| Annual Interest Income | $156.4MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q4 2018vs Q4 2017 | $2.02B$1.46B |
| Loans | Q4 2018vs Q4 2017 | $1.86B$1.35B |
| Deposits | Q4 2018vs Q4 2017 | $1.76B$1.25B |
| Equity Capital | Q4 2018vs Q4 2017 | $228.4MM$190.3MM |
| Loan Loss Allowance | Q4 2018vs Q4 2017 | $24.3MM$19.7MM |
| Unbacked Noncurrent Loans | Q4 2018vs Q4 2017 | $4.9MM$3.7MM |
| Real Estate Owned | Q4 2018vs Q4 2017 | $0$0 |
Sorry, we do not have rate data for EnerBank USA.
| EnerBank USA Locations | ||
|---|---|---|
| Enerbank Usa | 1245 E. Brickyard Road, Suite 600 | Salt Lake City, UT 84106 |