Side-by-side · Q2 2026 data
Encentus Federal Credit Union vs Energize Credit Union
Metric by metric
| Measure | Encentus Federal Credit Union | Energize Credit Union |
|---|---|---|
| TellerScore | 80 (stronger) | 72 |
| Capital cushion | 100 (stronger) | 88 |
| Loan quality | 80 (stronger) | 73 |
| Earnings | 27 | 40 (stronger) |
| Funding & liquidity | 100 (stronger) | 72 |
| Problem-loan coverage | 98 (stronger) | 89 |
| Peer percentile | 65th | 44th |
| Total assets | $21.4M | $25.4M |
| Deposits / shares | $17.8M | $21.8M |
| Capital ratio | 17.05% (stronger) | 13.83% |
| Problem loans | 0.60% (stronger) | 0.81% |
| Net charge-offs | 1.82% | 0.04% (stronger) |
| Return on assets | 0.18% | 0.49% (stronger) |
| Loans ÷ deposits | 39.7% (stronger) | 88.2% |
| Uninsured deposits | 1.1% (stronger) | 8.2% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Encentus Federal Credit Union has the higher TellerScore (80 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Encentus Federal Credit Union leads on 5 and Energize Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.