# ENERGY SERVICES
SAINT CLOUD, MN · NCUA charter 24664 · asset band <$50M · latest filing 2019-06 · stopped filing after 2019-06 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/energy-services-24664

Who the members are: federal charter, service (single sponsor), organized 1933. 1,392 members of 2,500 potential (55.7% of the field); checking penetration 15% (share draft accounts per 100 members); loans per 100 members 43.

**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 | $10.1M |
| Members | 1,392 (-0.4% YoY) |
| Full-time staff | 2 |
| Net worth | $1.5M |
| Net worth ratio | 15.2% (p62 of band) |
| ROA (annualized) | -2.75% (p2 of band) |
| Total delinquency | 0.31% (p31 of band) |
| Net charge-offs (annualized) | 0.43% (p67 of band) |
| Loans / shares | 67% (p58 of band) |
| Cash / assets | 7.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.41% (p12 of band) |
| Operating expense / assets | 5.27% (p86 of band) |
| Vehicles % of loans | 63% (p60 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 0.21% (p38 of band) |
| Vehicle NCO | 0.00% (p27 of band) |
| Repossessed % of vehicle book | 0.00% (p45 of band) |
| Real estate % of loans | 10% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 10% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 82% |
| Certificates % of member funds | 12% |
| Average share balance | $4,665 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 43% |
| Loans granted per 100 members, annualized | 59% |
| Average loan balance | $9,495 |
| Loans granted, annualized | $2.9M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **margin squeeze** (`earn_nim_squeeze`)
- **delinquency rising** (`aq_dq_rising`)
- **assets shrinking** (`shrink_assets`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | net worth falling |  |
| 2016-12 | 0 |  | net worth falling |
| 2017-03 | 1 | delinquency rising |  |
| 2017-06 | 2 | losing money |  |
| 2017-09 | 0 |  | delinquency rising, losing money |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | net worth falling |  |
| 2018-06 | 0 |  | net worth falling |
| 2018-09 | 2 | delinquency rising, auto monoline |  |
| 2018-12 | 2 | leaning on borrowings | auto monoline |
| 2019-03 | 3 | losing money, auto monoline | leaning on borrowings |
| 2019-06 | 6 | net worth falling, margin squeeze, assets shrinking |  |

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

- 2024-10-24 [University of Iowa Energy Collaborative Continues Partnership as the Presenting Sponsor of Hawkeye Women’s Basketball - Iowa Hawkeyes Athletics](https://news.google.com/rss/articles/CBMiigJBVV95cUxQRWoyeTY2RGtHZ0VGZDBzblJZeFgtQm5kWV9UQ3JsSTVUaWdwcTJYdm15SUViMzVZdldKUDhOd2FGTkVrR1VXMUFsdW5FYUtxODA1YWpQa0dRSW5BZjRvbDQ1VE9waTVxTXpibEtMZlkxR0k4SThFSkpwQTgwNHktTlVtWFlZamw2M2U0eENsVWg4LS1iWDFaY1hxZkhiOWlkR2NTQUYzbGY1aGFfaVYzQ3RrSzROelN3cU9WRlBHVnpWemtJekNrdHNwdTdUUHNSQXVrU3MwN0I2XzA1LTRoODNiNFlwbVBNZG0ydWVjVFFFN0h3cDhzWmJJM3FCQVd3c1NNZjk3UWl2dw?oc=5) · Iowa Hawkeyes Athletics
- 2014-10-16 [Business Briefs: Local Lutheran Social Service workers honored - St. Cloud Times](https://news.google.com/rss/articles/CBMiugFBVV95cUxQOXhnTmJEamh1NXJxS3dnYWRyVWJBa1hpaDZXcWs4OU9uMDVYZ19BbENtWTF1OGQ2THZLb0UyMEJNLW5nT3hfbVVMRXltdjloRHBsUXhPX3lZYkpmVzA4eGVESHg1Y044dnNmbkJ0eDNDaVFzVHhQNXBjYVV6U3hVYVM1aDFkZHZJQm5QSmQwcHVBdU5WbmVseTY2bFBWVVJfMFVzakwxbm5oV3JBcGJCeXVxdy0waXhlckE?oc=5) · St. Cloud Times
- 2025-06-05 [United Way of Berks County Community Leadership Programs to Celebrate Graduates - Berks Community Television](https://news.google.com/rss/articles/CBMisAFBVV95cUxNMDJDTnZKbHVTQ1YtX1hjTFpWOHlucXo2ZDg5VThidU16NUxjSjNpVS1OUjJONGVJenp1aG82VnB6TTdvbGV2YUgyOW5qMnRxN0ZMZFJ1UFZYMUY2YkpjdTh3TG1kdWRJaWp4cVdWdzJnaDROR2VlcUl1UlNXOFRnR0FzZjY2UzJYMUlXcEl4aWJObXZFRkZHV1dfNUNqYWNtRzl3MEljdkJQeHdrYVpOVQ?oc=5) · Berks Community Television
- 2021-08-20 [Gateway Energy Variable Rate Class Action Settlement - Top Class Actions](https://news.google.com/rss/articles/CBMivAFBVV95cUxPZmtrMkpIekhhWWRPVHpuR25QZnNNQ3FUWWxoek05VjJvT0Jrc0VJQVVnakNHQXI5YzZoclZQMTZvNklYemxHYzVycXpUTGhtd2NJTDNzd19WenppMVNvcGJDd1Zjd2ZfOFVmVTY1SFZFS1hHNUlna2JiNGRwcWtscWlTRHJZQzdxckppQ2JCV0RDT1VLbzNlUXZUUW5zOS1tVk1GRkd1MFVIOGNSME9BVENzWDlrRkNvRi1YbA?oc=5) · Top Class Actions
- 2020-12-08 [Just Sold: Big Lake manufactured home community sold - Finance & Commerce](https://news.google.com/rss/articles/CBMikwFBVV95cUxNLXZnRGwxcXp2MVgzQjByVHpMZkpaXzB6aFJyMlVESmxVODBydjZzZWpCbzFxZXZoS2tBQmNYRnp5SU1mQUw1QWx0YzZNSEVtMEVySVdKeVIySnV4eHFUS0hTVGtHTVpYdlhFUGtkcHZfQ24yZXRycjhaS2dhTHZERkJ0eWNoRnd3Rlh3by1HNFBYRmc?oc=5) · Finance &amp; Commerce
- 2019-12-02 [2019 Black Book: 339 Executives to Know - Hawaii Business Magazine](https://news.google.com/rss/articles/CBMiW0FVX3lxTE5QTGhmWG91M2VmMmRhamNCNm5tNWxBbzBGMzZCMWlQdEkzWktJNGhqRE83YjU3RExRNDZ3VkctS1M0SXJZMm5YSVFTRjk4OVpaTHRzWHNYbDh0Zms?oc=5) · Hawaii Business Magazine
- 2009-09-11 [Ulteig Engineers is Engineering Growth - Twin Cities Business](https://news.google.com/rss/articles/CBMiakFVX3lxTE1SMXgtMXRuYm1DVC1VaE9zZ1lPYlZhRVBvU2I2RzhtRXBId1dGUFhPalJfeWZmX28yR19jdGpFR1p5OTRaWXVhMnNpYXNhaGZKeTJTblU4ekpTREhsRnhjOGltWkdxZUlvNkE?oc=5) · Twin Cities Business
- 2019-07-15 [In Business: ESFCU merges with SPIRE - St. Cloud Times](https://news.google.com/rss/articles/CBMijwFBVV95cUxNTTgxTVotTVhmcFRybmxmMlhCN1ZQZm1GTmZMY3V3NHVMa0NBdElkUFBGYmhUQVplb2Q5WmlON3RPUThlRGt2RWlZclhvR0pGOGJfNDVTMHhoVkRIeGM3bFJsWVJ5MG4yY0UtX2I5bTM4REtIbGV3Wi1WeGtGZnlWSFphZU8yQXBBOTh2NnJSRQ?oc=5) · St. Cloud Times

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24664 (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/24.json (key "24664", 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=24664
- 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