TellerScore

Empowerment Community Development Federal Credit Union (NCUA charter #24769) is based in Houston, Texas. Its Q2 2026 call report shows $685K in total assets and $647K in member shares and deposits and 3 offices.

Based on its Q2 2026 filing, Empowerment Community Development Federal Credit Union scores 17/100, which we describe as low. That is higher than only 0% of 2,479 credit unions with under $100 million in assets. Among 380 credit unions headquartered in Texas, it ranks 380th. Its strongest component is funding & liquidity (97/100; 63% loans-to-deposits, 0% uninsured), and its lowest is problem-loan coverage (0/100; 243.8%).

TellerScore · Q2 2026

Scorecard

Capital cushion9/100
Net worth ratio: 5.93%
Loan quality0/100
Loans 60+ days delinquent ÷ total loans: 42.08%
Earnings0/100
Return on assets (annualized): -11.46%
Funding & liquidity97/100
Loans ÷ shares: 63.0% · 0.0% uninsured
Problem-loan coverage0/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 243.80%

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 fell 8 points (25 → 17), mostly because the capital cushion component weakened by 22 points.

TellerScore
174267Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202465
Q3 202463
Q4 202465
Q1 202567
Q2 202525
Q3 202535
Q4 202532
Q1 202621
Q2 202617
Net worth ratio
5.93%8.27%10.61%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20247.46%
Q3 20247.68%
Q4 20247.86%
Q1 20258.08%
Q2 20258.10%
Q3 202510.61%
Q4 202510.34%
Q1 20267.26%
Q2 20265.93%
Delinquent loans (60+ days)
0.00%21.04%42.08%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.00%
Q3 20240.00%
Q4 20240.00%
Q1 20250.00%
Q2 20258.10%
Q3 202510.72%
Q4 202525.75%
Q1 202625.59%
Q2 202642.08%
Return on assets
-16.21%-7.83%0.55%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.38%
Q3 20240.11%
Q4 20240.31%
Q1 20250.55%
Q2 2025-0.63%
Q3 20250.06%
Q4 2025-0.19%
Q1 2026-16.21%
Q2 2026-11.46%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202617$685K5.93%42.08%-11.46%63.0%
Q1 202621$705K7.26%25.59%-16.21%64.9%
Q4 202532$757K10.34%25.75%-0.19%67.0%
Q3 202535$755K10.61%10.72%0.06%69.9%
Q2 202525$948K8.10%8.10%-0.63%58.1%
Q1 202567$1.0M8.08%0.00%0.55%63.0%
Q4 202465$1.0M7.86%0.00%0.31%62.9%
Q3 202463$1.0M7.68%0.00%0.11%51.3%
Q2 202465$1.1M7.46%0.00%0.38%41.3%

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 ratio5.93%
1st
Problem loans42.08%
0th
Net charge-offs0.00%
77th
Return on assets-11.46%
0th
Loans to deposits63.0%
43rd
Uninsured deposits0.0%
81st
Loan-loss reserves7.31%
97th
Texas ratio243.8%
0th

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Deposit insurance

Is my money safe at Empowerment Community Development Federal Credit Union?

Yes. Empowerment Community Development Federal Credit Union is a federally insured credit union (NCUA charter #24769). 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 0.0% of shares and deposits ($0) 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 5.93%, below the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Empowerment Community Development Federal Credit Union lists 3 offices in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Empowerment Community Development Federal Credit Union
Type
Federal credit union
NCUA charter #
24769
RSSD ID
3461312
Primary regulator
NCUA
Established
2006
Headquarters
6011 W. Orem, Houston, TX 77085

Quick answers

Empowerment Community Development Federal Credit Union: common questions

Is Empowerment Community Development Federal Credit Union NCUA insured?

Yes. Empowerment Community Development Federal Credit Union is a federally insured credit union (NCUA charter #24769). 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 Empowerment Community Development Federal Credit Union's TellerScore?

17 out of 100 (Low), 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 Empowerment Community Development Federal Credit Union have?

3 offices as of the latest NCUA data.

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