TellerScore

Energy Credit Union (NCUA charter #66369) is based in West Roxbury, Massachusetts. Its Q2 2026 call report shows $128.8M in total assets and $106.5M in member shares and deposits and 2 offices.

Based on its Q2 2026 filing, Energy Credit Union scores 72/100, which we describe as strong. That is higher than 57% of 1,341 credit unions with $100 million – $1 billion. Among 121 credit unions headquartered in Massachusetts, it ranks 58th. Its strongest component is capital cushion (100/100; 16.92%), and its lowest is earnings (46/100; 0.66%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 16.92%
Loan quality52/100
Loans 60+ days delinquent ÷ total loans: 1.43%
Earnings46/100
Return on assets (annualized): 0.66%
Funding & liquidity75/100
Loans ÷ shares: 85.5% · 8.0% uninsured
Problem-loan coverage88/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 5.96%

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 7 points (65 → 72), mostly because the loan quality component improved by 26 points.

TellerScore
657482Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202481
Q3 202472
Q4 202472
Q1 202576
Q2 202565
Q3 202581
Q4 202571
Q1 202682
Q2 202672
Net worth ratio
7.00%12.08%17.16%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202415.97%
Q3 202415.70%
Q4 202415.85%
Q1 202516.09%
Q2 202516.51%
Q3 202516.69%
Q4 202517.16%
Q1 202616.69%
Q2 202616.92%
Delinquent loans (60+ days)
0.38%1.30%2.23%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.52%
Q3 20241.38%
Q4 20241.44%
Q1 20251.12%
Q2 20252.23%
Q3 20250.41%
Q4 20251.40%
Q1 20260.38%
Q2 20261.43%
Return on assets
0.41%0.53%0.66%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.49%
Q3 20240.41%
Q4 20240.42%
Q1 20250.54%
Q2 20250.55%
Q3 20250.54%
Q4 20250.44%
Q1 20260.56%
Q2 20260.66%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202672$128.8M16.92%1.43%0.66%85.5%
Q1 202682$129.1M16.69%0.38%0.56%82.5%
Q4 202571$124.4M17.16%1.40%0.44%85.2%
Q3 202581$127.8M16.69%0.41%0.54%80.8%
Q2 202565$128.2M16.51%2.23%0.55%80.0%
Q1 202576$130.4M16.09%1.12%0.54%78.6%
Q4 202472$131.3M15.85%1.44%0.42%78.2%
Q3 202472$131.6M15.70%1.38%0.41%79.1%
Q2 202481$128.8M15.97%0.52%0.49%79.4%

1,341 peers · $100 million – $1 billion

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 ratio16.92%
93rd
Problem loans1.43%
15th
Net charge-offs-0.00%
99th
Return on assets0.66%
43rd
Loans to deposits85.5%
27th
Uninsured deposits8.0%
29th
Loan-loss reserves0.00%
50th
Texas ratio6.0%
32nd

Similar-size credit unions in Massachusetts

InstitutionScoreAssetsCapitalProblem loansCompare
Nesc Federal Credit UnionCredit union Methuen, MA64 out of 100, Moderate$125.9M10.6%0.91%vs
Brotherhood Credit UnionCredit union Lynn, MA85 out of 100, Very strong$125.2M43.7%1.18%vs
Luso-American Credit UnionCredit union Peabody, MA84 out of 100, Strong$123.0M16.2%0.22%vs
St. Michaels Fall River Federal Credit UnionCredit union Fall River, MA48 out of 100, Below average$121.4M9.3%1.70%vs
First Priority Credit UnionCredit union Boston, MA75 out of 100, Strong$139.4M13.1%0.07%vs
Metrowest Community Federal Credit UnionCredit union Framingham, MA68 out of 100, Moderate$147.0M8.7%0.21%vs

Deposit insurance

Is my money safe at Energy Credit Union?

Yes. Energy Credit Union is a federally insured credit union (NCUA charter #66369). 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 8.0% of shares and deposits ($8.5M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 16.92%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Energy Credit Union lists 2 offices in 2 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Energy Credit Union reported 47 home-loan applications under HMDA (LEI 254900X2A1JXHHUB4J39): 36 originated ($5,170,000 total), 7 denied, and 4 withdrawn or closed by the applicant. Its denial rate on decided applications was 16.3%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Energy Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
66369
RSSD ID
21694
Primary regulator
State + NCUA
Established
1931
Headquarters
156 Spring St, West Roxbury, MA 02132
Employees
15

Quick answers

Energy Credit Union: common questions

Is Energy Credit Union NCUA insured?

Yes. Energy Credit Union is a federally insured credit union (NCUA charter #66369). 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 Energy Credit Union's TellerScore?

72 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 Energy Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near West Roxbury

InstitutionScoreAssetsCapitalProblem loansCompare
Alpha Credit UnionCredit union Boston, MA97 out of 100, Very strong$35.1M18.8%0.14%vs
Cambridge Municipal Employees Federal Credit UnionCredit union Cambridge, MA97 out of 100, Very strong$10.2M24.8%0.12%vs
Cambridge Firefighters Federal Credit UnionCredit union Cambridge, MA92 out of 100, Very strong$14.2M25.8%0.27%vs
Somerville Mass Firefighters Federal Credit UnionCredit union Somerville, MA92 out of 100, Very strong$7.4M19.6%0.00%vs
Watertown Municipal Credit UnionCredit union Watertown, MA91 out of 100, Very strong$9.7M36.9%0.00%vs
Billerica Municipal Employees Credit UnionCredit union Billerica, MA91 out of 100, Very strong$23.6M17.8%0.00%vs