TellerScore

Encentus Federal Credit Union is a federal credit union headquartered in Tulsa, Oklahoma, in business for about 56 years. At the end of Q2 2026 it reported $21.4M in total assets and $17.8M in member shares and deposits, with 1 office.

Based on its Q2 2026 filing, Encentus Federal Credit Union scores 80/100, which we describe as strong. That is higher than 65% of 2,479 credit unions with under $100 million in assets. Among 52 credit unions headquartered in Oklahoma, it ranks 15th. Its strongest component is capital cushion (100/100; 17.05%), and its lowest is earnings (27/100; 0.18%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 17.05%
Loan quality80/100
Loans 60+ days delinquent ÷ total loans: 0.60%
Earnings27/100
Return on assets (annualized): 0.18%
Funding & liquidity100/100
Loans ÷ shares: 39.7% · 1.1% uninsured
Problem-loan coverage98/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.17%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 22 points (58 → 80), mostly because the loan quality component improved by 65 points.

TellerScore
536780Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202454
Q3 202456
Q4 202463
Q1 202560
Q2 202558
Q3 202555
Q4 202553
Q1 202670
Q2 202680
Net worth ratio
7.00%12.62%18.24%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202417.17%
Q3 202417.84%
Q4 202418.24%
Q1 202517.59%
Q2 202517.54%
Q3 202517.63%
Q4 202517.42%
Q1 202616.99%
Q2 202617.05%
Delinquent loans (60+ days)
0.60%2.35%4.09%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20243.10%
Q3 20243.96%
Q4 20242.07%
Q1 20253.22%
Q2 20252.54%
Q3 20254.09%
Q4 20254.01%
Q1 20262.30%
Q2 20260.60%
Return on assets
-0.63%0.06%0.75%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.53%
Q3 2024-0.22%
Q4 2024-0.30%
Q1 20250.29%
Q2 2025-0.61%
Q3 2025-0.26%
Q4 2025-0.63%
Q1 20260.75%
Q2 20260.18%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202680$21.4M17.05%0.60%0.18%39.7%
Q1 202670$21.6M16.99%2.30%0.75%39.6%
Q4 202553$20.8M17.42%4.01%-0.63%41.2%
Q3 202555$21.1M17.63%4.09%-0.26%43.7%
Q2 202558$21.1M17.54%2.54%-0.61%44.4%
Q1 202560$21.5M17.59%3.22%0.29%45.0%
Q4 202463$20.6M18.24%2.07%-0.30%47.5%
Q3 202456$21.1M17.84%3.96%-0.22%48.0%
Q2 202454$21.8M17.17%3.10%-0.53%48.0%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio17.05%
65th
Problem loans0.60%
54th
Net charge-offs1.82%
6th
Return on assets0.18%
26th
Loans to deposits39.7%
78th
Uninsured deposits1.1%
53rd
Loan-loss reserves0.00%
37th
Texas ratio1.2%
63rd

Similar-size credit unions in Oklahoma

InstitutionScoreAssetsCapitalProblem loansCompare
Ok Members First Federal Credit UnionCredit union Tulsa, OK75 out of 100, Strong$24.4M14.9%0.72%vs
Department of Public Safety Federal Credit UnionCredit union Oklahoma City, OK70 out of 100, Strong$25.3M17.1%1.36%vs
Energize Credit UnionCredit union Oklahoma City, OK72 out of 100, Strong$25.4M13.8%0.81%vs
Ok Federal Credit UnionCredit union Bartlesville, OK85 out of 100, Very strong$26.4M15.8%0.60%vs
Integris Federal Credit UnionCredit union Oklahoma City, OK73 out of 100, Strong$14.4M11.5%0.00%vs
McAlester Aap Federal Credit UnionCredit union McAlester, OK69 out of 100, Moderate$12.4M38.4%4.84%vs

Deposit insurance

Is my money safe at Encentus Federal Credit Union?

Yes. Encentus Federal Credit Union is a federally insured credit union (NCUA charter #20015). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 1.1% of shares and deposits ($196K) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 17.05%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Encentus Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Encentus Federal Credit Union
Type
Federal credit union
NCUA charter #
20015
RSSD ID
247980
Primary regulator
NCUA
Established
1970
Headquarters
1320 S Lewis Ave, Tulsa, OK 74104
Employees
9

Quick answers

Encentus Federal Credit Union: common questions

Is Encentus Federal Credit Union NCUA insured?

Yes. Encentus Federal Credit Union is a federally insured credit union (NCUA charter #20015). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Encentus Federal Credit Union's TellerScore?

80 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Encentus Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Tulsa

InstitutionScoreAssetsCapitalProblem loansCompare
First Bank of OwassoBank Owasso, OK93 out of 100, Very strong$639.3M15.7%0.01%vs
Saint Francis Employees Federal Credit UnionCredit union Tulsa, OK92 out of 100, Very strong$44.7M15.9%0.20%vs
The First National Bank and Trust Company of Broken ArrowBank Broken Arrow, OK89 out of 100, Very strong$269.5M16.4%0.14%vs
International Bank of CommerceBank Oklahoma City, OK88 out of 100, Very strong$1.6B15.5%0.66%vs
United Members Federal Credit UnionCredit union Tulsa, OK87 out of 100, Very strong$10.4M18.6%0.15%vs
Bank 7Bank Oklahoma City, OK86 out of 100, Very strong$1.9B13.9%0.39%vs