# ENERGY
West Roxbury, MA · NCUA charter 66369 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/energy-66369

Who the members are: state charter, organized 1931, low-income designated. 5,616 members of 6,281,803 potential (0.1% of the field); checking penetration 47% (share draft accounts per 100 members); loans per 100 members 48.

**Verdict on the desk:** this could be *quiet fade*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $129.1M |
| Members | 5,616 (-3.2% YoY) |
| Full-time staff | 13 |
| Net worth | $21.5M |
| Net worth ratio | 16.7% (p90 of band) |
| ROA (annualized) | 0.56% (p40 of band) |
| Total delinquency | 0.38% (p30 of band) |
| Net charge-offs (annualized) | -0.02% (p4 of band) |
| Loans / shares | 83% (p76 of band) |
| Cash / assets | 13.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.96% (p13 of band) |
| Operating expense / assets | 2.64% (p17 of band) |
| Vehicles % of loans | 14% (p12 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p16 of band) |
| Vehicle delinquency | 0.51% (p47 of band) |
| Vehicle NCO | 0.00% (p8 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 77% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 58% |
| Certificates % of member funds | 37% |
| Average share balance | $9,927 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $914,665 |
| Loans outstanding per 100 members | 48% |
| Loans granted per 100 members, annualized | 5% |
| Average loan balance | $32,682 |
| Loans granted, annualized | $17.3M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $914,665 outstanding purchased (4.2% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares -2.0% year over year.

## Flags firing in the latest filing

- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | losing money |  |
| 2016-06 | 0 |  | losing money |
| 2016-09 | 1 | losing money |  |
| 2016-12 | 0 |  | losing money |
| 2017-03 | 1 | losing money |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 2 | net worth falling |  |
| 2017-12 | 0 |  | losing money, net worth falling |
| 2018-03 | 3 | losing money, delinquency rising, leaning on borrowings |  |
| 2018-06 | 3 | net worth falling | losing money |
| 2018-09 | 1 |  | delinquency rising, net worth falling |
| 2018-12 | 3 | delinquency 2x band, delinquency rising |  |
| 2019-03 | 1 |  | delinquency 2x band, delinquency rising |
| 2019-06 | 2 | members leaving |  |
| 2019-09 | 3 | delinquency rising |  |
| 2019-12 | 1 |  | members leaving, delinquency rising |
| 2020-03 | 2 | net worth falling |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 1 |  | leaning on borrowings |
| 2021-03 | 3 | losing money, margin squeeze |  |
| 2021-06 | 5 | delinquency 2x band, delinquency rising |  |
| 2021-09 | 2 |  | net worth falling, losing money, margin squeeze |
| 2021-12 | 2 |  |  |
| 2022-03 | 2 |  |  |
| 2022-06 | 1 | assets shrinking | delinquency 2x band, delinquency rising |
| 2022-09 | 2 | leaning on borrowings |  |
| 2022-12 | 0 |  | assets shrinking, leaning on borrowings |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 2 | delinquency rising, members leaving |  |
| 2024-03 | 2 |  |  |
| 2024-06 | 1 |  | members leaving |
| 2024-09 | 2 | delinquency 2x band |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 1 |  | delinquency 2x band |
| 2025-06 | 2 | delinquency 2x band |  |
| 2025-09 | 0 |  | delinquency rising, delinquency 2x band |
| 2025-12 | 2 | assets shrinking, members leaving |  |
| 2026-03 | 1 |  | assets shrinking |

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

- 2026-09-09 [Joann E. Matthews Obituary (2026) - Easton, MA - Kane Funeral Home & Cremation Services - Easton - legacy.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxQWmlsd21FRlE3amlsbDl0Y1NJYUU0bUxsVHlMNFFQeUtwamxXNGhhRmxWMXJGUEFzMnNUdUFvVUhQVFllQ0p5VENSbF9BM01lVjRVVGtlOTMyaXBMUnI5U2ZGMzRiZzQ2d0Q4UVBqUEJBdDU2bWpreTBVZ1BiN1N3S3ZmRQ?oc=5) · legacy.com
- 2026-07-23 [Business Briefs: July 24, 2026 - Greenfield Recorder](https://news.google.com/rss/articles/CBMibkFVX3lxTE1xeURUb0JPOHZDVkVHNEtoNFl1MGpxTnMzcHptYjZJZF9UY2pSbTg5clNyZk9TTF91QkxSbERNbmM0STdKNVJrMng2YXJNWkxIQ002X01XWGhMUF9rWUU0N0NCREFTTmwyczdzalRB?oc=5) · Greenfield Recorder
- 2026-07-31 [Mass. brothers plead guilty to staging fake robbery that netted $200K - masslive.com](https://news.google.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?oc=5) · masslive.com
- 2025-12-08 [Marquis Software Solutions Under Investigation for Data Breach of Over 780,000 Financial Records - Schubert Jonckheer & Kolbe](https://news.google.com/rss/articles/CBMickFVX3lxTE1vZVQ4bU5jSFVZOGJmZmVqbDJWLXBOcHcxWUZISVE3djVZZVM4ZHFaRTdFTk9vMGptMU5fY2NjMmNRRlRSX1BHVEJ6VjdDeHlSNEZIeTNYU2VoYVRaaDZqT2otMUJvaEROYWx3OWdlQmdIZw?oc=5) · Schubert Jonckheer & Kolbe
- 2026-06-15 [What to Know for Evanescence: 2026 World Tour Setlist - Ticketmaster Blog](https://news.google.com/rss/articles/CBMiX0FVX3lxTFBuTTN6MkU3Z0oxU0tnRnpPVlJBR3JaTXd5UEpUbDdTWjhmeTdaNUV6UkFUSVhMYXU2N2J2R21nb2NHemZoMUdTUTZNbGtiQ1FCTVpLdFRuMVJERXpwaW1j?oc=5) · Ticketmaster Blog
- 2025-01-02 [How many credit unions acquired banks in 2024? An industry M&A analysis | Credit Union Journal - American Banker](https://news.google.com/rss/articles/CBMiuwFBVV95cUxQRXVobmhmLTlwUVhUSGhzUFNydE44NGZZekt6VlJsa0E0a2cxOV9fTEgwa2tHV0dpTXIxSEI2NUxQTERjeDNLSUlfWkJ4QXdzQzJ4QU9fN2RSUjVpTmJGQmJQSmxJd3NXQ04zSXJWMDU0cC1VenNxcXM4Y3hGXzUwUTAzYzZzeGtzeWU0X2RKN1RVWjhCaUg2QVl4U0xOV01vcUVrOTR1dHFYbTFiMmR0QWtkSzI2TzlLYzJn?oc=5) · American Banker
- 2024-09-26 [Mass. brothers accused in connection with $200,000 bank heist - WCVB](https://news.google.com/rss/articles/CBMimAFBVV95cUxOR3Mzc2JzR0FJekZMd2pJSHpOOG9yTlBRMXFITXU2T282STUyYi1rMWNFZTlHbjNzaU9CVVlvR0hQLWtBM0g1bTlmcXhaWHZYTGZ4Y0owUjl0UFVvU3N4ZW5mVTR6aHI0ZXZkZjJxTWttVmlaZTF2aHNRYVlEVHIyM1VyQ1lwdWVUYmFhYlVNMmdHY2JQb21VZw?oc=5) · WCVB
- 2025-03-25 [Merrimack Valley Credit Union Is Officially BrightBridge Credit Union - CUTimes](https://news.google.com/rss/articles/CBMiqAFBVV95cUxNdFo2WmptS1Y3ZXFsRU5SQ2ZlVGFncGlROHctT0E3UnJ2N3pNbjZ1ZWM5TnVGOE9HSlI2Y2dFRlZSaGdtMml5Q05DYmpsZGZLbm9QS3JUZW9VYzBrWHYxQm82SWJlNm5wZ0dYanJkUkNOTEpaQkx4RVg2M1U3eWc2eHV4VUtPZHRWcVJPZW9CN2VDWmZvXzhGOVRPNldYaEMxbThRcGdpcm4?oc=5) · CUTimes

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=66369 (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/1.json (key "66369", 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=66369
- 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