# ENCENTUS
Tulsa, OK · NCUA charter 20015 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/encentus-20015

Who the members are: federal charter, service (single sponsor), organized 1970, low-income designated. 4,563 members of 161,500 potential (2.8% of the field); checking penetration 33% (share draft accounts per 100 members); loans per 100 members 20.

**Verdict on the desk:** this could be *stressed*. Composite score 6 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $21.6M |
| Members | 4,563 (-0.8% YoY) |
| Full-time staff | 10 |
| Net worth | $3.7M |
| Net worth ratio | 17.0% (p62 of band) |
| ROA (annualized) | 0.75% (p59 of band) |
| Total delinquency | 2.30% (p81 of band) |
| Net charge-offs (annualized) | 2.19% (p94 of band) |
| Loans / shares | 40% (p24 of band) |
| Cash / assets | 53.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.61% (p38 of band) |
| Operating expense / assets | 6.65% (p93 of band) |
| Vehicles % of loans | 62% (p49 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 6% |
| Third-party paper % of net worth | 8% (p89 of band) |
| Vehicle delinquency | 3.33% (p89 of band) |
| Vehicle NCO | 2.93% (p95 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 20% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 1% |
| Core shares % of member funds | 83% |
| Certificates % of member funds | 6% |
| Average share balance | $3,253 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 20% |
| Loans granted per 100 members, annualized | 5% |
| Average loan balance | $7,797 |
| Loans granted, annualized | $2.7M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **expense trap** (`earn_opex`)
- **delinquency 2x band** (`aq_dq_high`)
- **charge-offs p90** (`aq_nco_high`)
- **loan book shrinking** (`shrink_loans`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | repo signal |  |
| 2016-09 | 0 |  | repo signal |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | assets shrinking |  |
| 2017-06 | 4 | delinquency rising, repo signal, 3rd-party paper>100% NW |  |
| 2017-09 | 1 |  | assets shrinking, delinquency rising, repo signal |
| 2017-12 | 4 | net worth falling, repo signal, auto monoline |  |
| 2018-03 | 5 | delinquency rising, loans>95% of shares | repo signal |
| 2018-06 | 3 |  | net worth falling, delinquency rising |
| 2018-09 | 2 |  | loans>95% of shares |
| 2018-12 | 3 | loans>95% of shares |  |
| 2019-03 | 4 | repo signal |  |
| 2019-06 | 2 |  | auto monoline, loans>95% of shares |
| 2019-09 | 2 |  |  |
| 2019-12 | 4 | losing money, members leaving |  |
| 2020-03 | 7 | delinquency rising, assets shrinking, loan book shrinking |  |
| 2020-06 | 5 | net worth falling | losing money, delinquency rising, assets shrinking |
| 2020-09 | 4 |  | net worth falling |
| 2020-12 | 6 | margin squeeze, delinquency rising, auto monoline | repo signal |
| 2021-03 | 7 | net worth falling, losing money, delinquency 2x band, repo signal | members leaving, margin squeeze, delinquency rising |
| 2021-06 | 5 | delinquency rising, charge-offs p90 | net worth falling, losing money, delinquency 2x band, repo signal |
| 2021-09 | 5 | delinquency 2x band | charge-offs p90 |
| 2021-12 | 2 |  | 3rd-party paper>100% NW, auto monoline, delinquency rising |
| 2022-03 | 5 | net worth falling, charge-offs p90, repo signal |  |
| 2022-06 | 5 | delinquency rising | net worth falling |
| 2022-09 | 5 | losing money | delinquency rising |
| 2022-12 | 5 | assets shrinking | losing money |
| 2023-03 | 5 | auto monoline | repo signal |
| 2023-06 | 5 | expense trap | auto monoline |
| 2023-09 | 6 | delinquency rising |  |
| 2023-12 | 6 |  |  |
| 2024-03 | 6 | losing money | charge-offs p90 |
| 2024-06 | 5 |  | delinquency rising |
| 2024-09 | 5 |  |  |
| 2024-12 | 6 | 3rd-party paper>100% NW |  |
| 2025-03 | 2 |  | loan book shrinking, expense trap, losing money, 3rd-party paper>100% NW |
| 2025-06 | 6 | net worth falling, losing money, expense trap, loan book shrinking |  |
| 2025-09 | 3 |  | assets shrinking, net worth falling, loan book shrinking |
| 2025-12 | 4 | delinquency rising |  |
| 2026-03 | 6 | net worth falling, charge-offs p90, loan book shrinking, auto monoline | losing money, delinquency rising |

## In the news (Google News, unfiltered, newest first; check the city)

- 2019-09-29 [Encentus backs out of cannabis banking in Oklahoma - The Oklahoman](https://news.google.com/rss/articles/CBMisAFBVV95cUxNX2hKYmMxLUpHTGlHeElRX19nbjdMaEtaSDhncHNsUW9xN3J1QmE5LThkc1hsSmpicUZ4NUxQWFlNSlI2QVUyLTU4aFVvZHRtaHJYZ2I2Um1mYmNLeFRoa3MzUDhkRS1FcnJkNDRKV1M0bWVHeHlENEFvZERhZXQxdWotai0zVS1sV2FhaFRwSjBHdjF6Mk5SYzJGMF8yYW5nTGE2UnZFd05abldkYVdSMw?oc=5) · The Oklahoman

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=20015 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/47.json (key "20015", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=20015
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide