# ENERGY ONE
Tulsa, OK · NCUA charter 256 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/energy-one-256

Who the members are: federal charter, multiple common bond, organized 1935. 16,745 members of 100,000 potential (16.7% of the field); checking penetration 36% (share draft accounts per 100 members); loans per 100 members 30.

**Verdict on the desk:** this could be *ordinary*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $308.2M |
| Members | 16,745 (-8.1% YoY) |
| Full-time staff | 55 |
| Net worth | $32.8M |
| Net worth ratio | 10.6% (p41 of band) |
| ROA (annualized) | 0.73% (p54 of band) |
| Total delinquency | 1.41% (p90 of band) |
| Net charge-offs (annualized) | 0.54% (p66 of band) |
| Loans / shares | 64% (p29 of band) |
| Cash / assets | 11.0% |
| Borrowings / assets | 8.31% |
| Net interest margin | 2.77% (p9 of band) |
| Operating expense / assets | 3.03% (p24 of band) |
| Vehicles % of loans | 34% (p51 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 36% |
| Third-party paper % of net worth | 68% (p46 of band) |
| Vehicle delinquency | 2.14% (p95 of band) |
| Vehicle NCO | 1.66% (p86 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 32% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 1% |
| Commercial % of net worth | 151% |
| Core shares % of member funds | 49% |
| Certificates % of member funds | 32% |
| Average share balance | $11,620 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $16.9M |
| Loans outstanding per 100 members | 30% |
| Loans granted per 100 members, annualized | 6% |
| Average loan balance | $31,992 |
| Loans granted, annualized | $55.8M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $16.9M outstanding purchased (51.5% of net worth), $0 sold and retained. Sold in 0 and bought in 4 of the last 8 quarters. Shares 4.0% year over year.

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)
- **members leaving** (`shrink_members`)
- **leaning on borrowings** (`str_borrowings`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 4 | thin capital, capital below 7%, delinquency 2x band |  |
| 2016-06 | 2 |  | capital below 7% |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 4 | repo signal, 3rd-party paper>100% NW |  |
| 2017-06 | 4 |  |  |
| 2017-09 | 4 | assets shrinking | repo signal |
| 2017-12 | 5 | delinquency rising |  |
| 2018-03 | 4 |  | assets shrinking |
| 2018-06 | 5 | repo signal |  |
| 2018-09 | 4 |  | repo signal |
| 2018-12 | 4 | repo signal | delinquency rising |
| 2019-03 | 4 |  |  |
| 2019-06 | 2 |  | thin capital, repo signal |
| 2019-09 | 3 | members leaving |  |
| 2019-12 | 3 |  |  |
| 2020-03 | 4 | thin capital |  |
| 2020-06 | 5 | net worth falling, margin squeeze | delinquency 2x band |
| 2020-09 | 3 |  | thin capital, net worth falling |
| 2020-12 | 3 |  |  |
| 2021-03 | 3 | thin capital | margin squeeze |
| 2021-06 | 2 |  | thin capital |
| 2021-09 | 1 |  | members leaving |
| 2021-12 | 2 | delinquency 2x band |  |
| 2022-03 | 1 |  | delinquency 2x band |
| 2022-06 | 2 | delinquency rising |  |
| 2022-09 | 1 |  | delinquency rising |
| 2022-12 | 2 | leaning on borrowings |  |
| 2023-03 | 3 | delinquency rising, assets shrinking | leaning on borrowings |
| 2023-06 | 2 |  | assets shrinking |
| 2023-09 | 3 | leaning on borrowings |  |
| 2023-12 | 4 | delinquency 2x band |  |
| 2024-03 | 4 | net worth falling | leaning on borrowings |
| 2024-06 | 0 |  | 3rd-party paper>100% NW, delinquency rising, delinquency 2x band, net worth falling |
| 2024-09 | 1 | 3rd-party paper>100% NW |  |
| 2024-12 | 2 | members leaving, leaning on borrowings | 3rd-party paper>100% NW |
| 2025-03 | 2 | delinquency 2x band | leaning on borrowings |
| 2025-06 | 3 | delinquency rising |  |
| 2025-09 | 3 | leaning on borrowings | delinquency rising |
| 2025-12 | 3 |  |  |
| 2026-03 | 3 |  |  |

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

- 2024-05-21 [Energy One Federal Credit Union opening location in Broken Arrow - Broken Arrow Sentinel](https://news.google.com/rss/articles/CBMikgFBVV95cUxQZHIwbU1wZnhCOXVlRkphOTU4cFpvRDR1RVdNalJVQ09Ea2tYNE8tLTlFUzI2S1RYX1NQN2pVdTFxRjR6eFJEYUpwWUw2MmVDaGVpMlozNmxFWHFmbEdsbllTaURMWU15ZjAxNzJXWUl5bFljblhvN3ZUa3FqYjRCMG1GMHdsd1VIRE9MY1phQkk4Zw?oc=5) · Broken Arrow Sentinel
- 2026-02-12 [Energy One Federal Credit Union Enhances Digital Member Experience with Appli’s AI-Powered Calculators - citybiz](https://news.google.com/rss/articles/CBMi1wFBVV95cUxNc3BXOE1qbEU0NHUzTGxhVWZ0a05mVWloNWVYZmxodGQ5aWo0OFlrdkg0ZDB3WjBscV96dU5OUjlFZ1dzRWRiTjV6X3ctYzNfd0ZwMUo1RE85QlFPYmdBMWtCTnAzb0s1bFlPWlNZbnhCRGhfSUY2aVN1WnZKSWpPa0VoTTRDMjlSRU5RVmFnYW4ycFhCTGFBXzlvWEZ3UnhKSHFWMVBPUlp6TXloLU1pSnpJWDR6b25ZbmQ2QmtmY2VBZDZ4RzNBRU9PalUteS1NLTE2VFZQTQ?oc=5) · citybiz
- 2026-02-16 [Energy One FCU to integrate six Appli financial calculators into its new site - fintechfutures.com](https://news.google.com/rss/articles/CBMi0AFBVV95cUxNMF91a2FWUlNYbjZuLVlmTGhtNFQ0MWVUSDFLWTJnRVF0azFUX1dqZ3lQX1M3YnBNRENiSGZuaVBldHlNV1FqRFdiYWdNRWU0eFdyTGQ4TXhyLV9CMGVaUDNnQ0FCaVA0U0huYXZlOFBlMGdzSlp3OURRWE5oa0Q1S3RzMVdzYWw4M0lMWW9CRWJLQ0tGejVFdFVCUV9SNjFaMFpCYU1hNUw4MkpYZHlBc0NpUDkyRnhTWkdsRjhDdnhBNHhXWXc5aE5Gakh5Tkcx?oc=5) · fintechfutures.com
- 2025-03-28 [2025 TulsaPeople Legacy Businesses - TulsaPeople Magazine](https://news.google.com/rss/articles/CBMisgFBVV95cUxPU0IyR1Q4SW0yQzk5enR1Z0ZTdk5KSy12NFF1eHdickVqc044WUl2UHdkUHMyU1NrU29vRVBhVENsazdDTDlnSEdIMVpaYUNGYVJ2N2l1M0FLN204NDlJS3drZTFJRWZrQU1hUmZOTzVmYXZlbC1OWmZjTTdDWVppNExXMEI4ZUpuRVdOMjY5eHVHYmpnTWtuQ3VfVmh4NDcwRjBnbnc1SXVJMGVYQm94anN3?oc=5) · TulsaPeople Magazine
- 2024-03-28 [Energy One Federal Credit Union breaks ground on Broken Arrow location - Broken Arrow Sentinel](https://news.google.com/rss/articles/CBMimgFBVV95cUxOQjVlNVpWbm80SU1DdndXRzl5U2hJZXcta01sU0xCcTJiQ0tjcUpJZ0pOV0tNS2pmQkZIQ2Nzc3duaHlwMXVsZ1J3TlpVeWZqd0tWNlVuQzJWem41VWtpNnVMaERQY0pMbmV6WXEyeTd3ZHhvNjVnNk1hWGMzX0hhTjI3ODBVZWIycHgwZ0ZzbHlpTFctZDdUZDlB?oc=5) · Broken Arrow Sentinel
- 2026-06-24 [Appli Signs 20th Credit Union Partner, Surpasses $2 Billion in Member Calculations - EIN Presswire](https://news.google.com/rss/articles/CBMixgFBVV95cUxPUjA0Ty1LMjQxQm5XOEY4bTdJenRpc3pPalJCbXhYMHNvLWFfbU9sNVFfcGtqMTlrd0M4UExDMVB6cjFvUUw5MGZ3T1JTWEszSFVoc0g5VklmUGNzRFRqWFJnLTU3d25oQ2E3VzZCQ29RaVg2WVhvbzZhUFFfVVpNX1lkWmlIMW5nV3BKRjBLTEJIdzhzSlBTRElySXFOblZYSUJtdE1yWThGR0ZfRnV3RUo3N0lQVHFtMnRwVlktM2ozc3FzZVE?oc=5) · EIN Presswire
- 2024-01-30 [Sharon Elizabeth Mock - legacy.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxNZ3pKaGtHNjVjSTVDWG05MUFGb3BkdFhNaUp4UVRCWXVwZld1dzFuR29Xd0tWdGVoSDhZX3MtNlVwckxXdEpZdGVTczlPWUpvdHRxT0V0QmRiSG1GbmxJb2ZTYlBsbTZORVFwaWxKblZzdGc3SEc0TU8wcTgtc2lmVmtZdnJxOF9GSWc1Zkpn?oc=5) · legacy.com
- 2024-03-26 [Jay Terrill named community president for RCB Bank Broken Arrow, Union - Broken Arrow Sentinel](https://news.google.com/rss/articles/CBMimAFBVV95cUxPVUpGa0FCWXBrbU83NnFPbUpyX281c1hObHBoeUExamZvZDI5YWpQUkEzQzJ3TWU1TFlleFgwLWdNQkdpSWRFYjZMQVd5dnRsRGJ6UTF5ZEE0TGxkQnN2cm1xbzZzeExxMEpfSFp1UkpmMmdhRi1sdkNtUVNEZkhzRXRBcW96LUFBM0dwaC1JbEhmUmRXVTdRTQ?oc=5) · Broken Arrow Sentinel

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=256 (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/0.json (key "256", 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=256
- 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