# ENERGY
Rockville, MD · NCUA charter 5631 · asset band $100-200M · latest filing 2016-12 · stopped filing after 2016-12 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/energy-5631

Who the members are: federal charter, multiple common bond, organized 1948. 10,372 members of 16,919 potential (61.3% of the field); checking penetration 62% (share draft accounts per 100 members); loans per 100 members 54.

**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 | $102.1M |
| Members | 10,372 (– YoY) |
| Full-time staff | 34 |
| Net worth | $5.5M |
| Net worth ratio | 5.4% (p0 of band) |
| ROA (annualized) | -1.99% (p0 of band) |
| Total delinquency | 0.30% (p16 of band) |
| Net charge-offs (annualized) | 0.17% (p21 of band) |
| Loans / shares | 68% (p44 of band) |
| Cash / assets | 31.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.76% (p35 of band) |
| Operating expense / assets | 6.21% (p99 of band) |
| Vehicles % of loans | 45% (p68 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 1% |
| Third-party paper % of net worth | 4% (p40 of band) |
| Vehicle delinquency | 0.00% (p2 of band) |
| Vehicle NCO | 0.11% (p14 of band) |
| Repossessed % of vehicle book | 0.00% (p28 of band) |
| Real estate % of loans | 31% |
| Credit cards % of loans | 13% |
| Unsecured % of loans | 23% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 85% |
| Certificates % of member funds | 2% |
| Average share balance | $4,872 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 54% |
| Loans granted per 100 members, annualized | 14% |
| Average loan balance | $11,532 |
| Loans granted, annualized | $19.2M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **capital below 7%** (`cap_critical`)
- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | thin capital, expense trap |  |
| 2016-06 | 3 | losing money |  |
| 2016-09 | 4 | net worth falling |  |
| 2016-12 | 6 | capital below 7% |  |

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## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=5631 (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/63.json (key "5631", 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=5631
- 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