Energy Plus Credit Union

Overview / Commentary
1230 W Morris St
Indianapolis, IN 46221

Energy Plus Credit Union is headquartered in Indianapolis and is the 71st largest credit union in the state of Indiana. It is also the 2,637th largest credit union in the nation. It was established in 1925 and as of June of 2021, it had grown to 12 employees and 4,227 members at 3 locations. Energy Plus Credit Union has a B+ health rating.

Field of Membership Restrictions

Membership in Energy Plus Credit Union is open to the following: (1) those who live or work in Daviess, Hendricks, Johnson, Morgan, and Pike Counties in Indiana and select areas of Marion County; (2) employees of Citizens Energy Group and its wholly owned subsidiaries; (3) employees and retirees of Indiana Division of Wright Tree Service; (4) employees and retirees of Indianapolis Power & Light; (5) employees and retirees of American Security Inc.
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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. Energy Plus Credit Union has a low asset base.

Health Grade Components

NCUA #65458
Year Chartered1925
Primary Regulator
Profit Margin
Return on Assets - YTD0.78%
Return on Equity - YTD5.89%
Annual Interest Income$671.00K
Assets and Liabilities
AssetsQ2 2021vs Q2 2020$43.7MM$38.1MM
LoansQ2 2021vs Q2 2020$25.0MM$24.6MM
DepositsQ2 2021vs Q2 2020$37.7MM$32.5MM
Equity CapitalQ2 2021vs Q2 2020$5.8MM$5.6MM
Loan Loss AllowanceQ2 2021vs Q2 2020$80.00K$113.00K
Unbacked Noncurrent LoansQ2 2021vs Q2 2020$98.00K$166.00K
Real Estate OwnedQ2 2021vs Q2 2020$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Energy Plus Credit Union Savings Account Rates

0.05%--Share Savings
0.05%--Vacation Club
0.05%--Holiday Club

Energy Plus Credit Union Money Market Rates

0.30%*$50k*-Money Market Account
OTHER TIERS: 0.20% $5k - $25k | 0.25% $25k - $50k

Energy Plus Credit Union Checking Account Rates

2.50%-$5kRewards Share Draft/Checking - Qualifying

Energy Plus Credit Union CD Rates

0.70%$500-60 Month Share Certificate
0.60%$500-48 Month Share Certificate
0.50%$500-36 Month Share Certificate
0.40%$500-30 Month Share Certificate
0.35%$500-24 Month Share Certificate
0.30%$500-18 Month Share Certificate
0.25%$500-12 Month Share Certificate
0.20%$500-6 Month Share Certificate

Energy Plus Credit Union Locations
Branch Office2020 N Meridian StIndianapolis, IN 46202
Branch Office1230 W Morris StIndianapolis, IN 46221-1710
Branch Office6925 N State Road 57Petersburg, IN 47567

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