Credit union · NCUA insured
ENERGY PLUS
A $45M credit union headquartered in Indianapolis, IN, with 3,840 members and 2 branches in Indiana. Best rates: CDs 4.00% and savings 0.50% APY.
ENERGY PLUS Carrot Score
84
Carrot Score
Higher than 66% of U.S. banks and credit unions
#14 of 43 in Indianapolis, IN metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About ENERGY PLUS
- Headquarters
- 1230 W Morris St, Indianapolis, IN 46221-1710
- NCUA charter
- 65458
Branches
2 branches in Indiana
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Indiana
2 branches
- Main OfficeMain office1230 W Morris St, Indianapolis, IN 46221Directions
- Citizen's Gas Branch2020 N Meridian St, Indianapolis, IN 46202Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 16.25% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.25% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.19% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $90 | $59 | — |
- CapitalNet worth ratio16.25%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.25%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.19%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$90Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of ENERGY PLUS are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.