credit union · NCUA 5631 · MD
How big is ENERGY?
ENERGY (MD, NCUA charter 5631) reported total assets of $102.1M, 10,372 members and a net worth ratio of 5.39% in its Call Report for 2016Q4. That ranks 1567 of 5,909 federally insured credit unions by assets, 1056 of 1,074 among credit unions with $100m-$500m in assets, 34 of 92 credit unions in maryland.
What stands out
ENERGY (MD, NCUA charter 5631) reported total assets of $102.1M, 10,372 members and a net worth ratio of 5.39% in its Call Report for 2016Q4. That ranks 1567 of 5,909 federally insured credit unions by assets, 1056 of 1,074 among credit unions with $100m-$500m in assets, 34 of 92 credit unions in maryland. Against its size class: net worth ratio 5.39%, below the peer median of 10.35%; loan-to-share ratio 68.38%, below the peer median of 74.15%; return on assets -1.99%, below the peer median of 0.49%. At 5.39% its net worth ratio is below the 7% NCUA threshold, which puts it in the "undercapitalised" band of prompt corrective action; the regulator applies further tests, this page does not.
Key figures, 2016Q4
As filed with the NCUA; ratios computed by FACTANKER. Peer medians are percentile_cont over the group in the same quarter.
| Measure | 2016Q4 | Median, size class | Median, state | Median, all | Evidence |
|---|---|---|---|---|---|
| Total assets | $102.1M | $187.9M | $33.8M | $29.0M | record → |
| Shares and deposits | $94.7M | $163.0M | $31.1M | $25.6M | record → |
| Loans outstanding | $64.7M | $118.4M | $18.1M | $14.2M | record → |
| Net income (year to date) | $-2.0M | $939.7k | $71.3k | $72.0k | record → |
| Net worth | $5.5M | $20.2M | $5.2M | $3.5M | record → |
| Net worth ratio | 5.39% | 10.35% | 10.68% | 11.45% | record → |
| Loan-to-share ratio | 68.38% | 74.15% | 55.84% | 63.66% | computed |
| Return on assets | -1.99% | 0.49% | 0.21% | 0.34% | computed |
| Members | 10,372 | 18,418 | 4,140 | 3,433 | record → |
Quarter by quarter
7 Call Reports on record, 2015Q2–2016Q4; the 7 most recent shown.
| Quarter | Total assets | Shares | Loans | Net income YTD | Net worth ratio | Members | Rank |
|---|---|---|---|---|---|---|---|
| 2016Q4 | $102.1M | $94.7M | $64.7M | $-2.0M | 5.39% | 10,372 | 1567 |
| 2016Q3 | $102.0M | $92.8M | $66.0M | $-222.6k | 7.17% | 10,485 | 1569 |
| 2016Q2 | $102.7M | $93.5M | $65.2M | $-141.0k | 7.20% | 10,533 | 1555 |
| 2016Q1 | $102.8M | $93.1M | $65.0M | $11.4k | 7.34% | 10,542 | 1546 |
| 2015Q4 | $100.2M | $90.8M | $65.2M | $-496.6k | 7.52% | 10,656 | 1550 |
| 2015Q3 | $97.4M | $88.0M | $64.4M | $-369.8k | 7.87% | 11,013 | 1565 |
| 2015Q2 | $99.1M | $89.9M | $65.3M | $-187.9k | 7.91% | 11,222 | 1553 |
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