TellerScore

Energy Capital Credit Union is a federally insured state-chartered credit union headquartered in Houston, Texas, in business for about 91 years. At the end of Q2 2026 it reported $261.4M in total assets and $229.2M in member shares and deposits, with 2 offices.

Energy Capital Credit Union has a TellerScore of 52 out of 100 (below average) based on Q2 2026 data — higher than only 8% of its 1,341 credit unions with $100 million – $1 billion. Among 380 credit unions headquartered in Texas, it ranks 348th. Problem-loan coverage contributes the most (89/100, 5.5%); earnings contributes the least (0/100, -0.91%).

TellerScore · Q2 2026

Scorecard

Capital cushion46/100
Net worth ratio: 9.59%
Loan quality79/100
Loans 60+ days delinquent ÷ total loans: 0.64%
Earnings0/100
Return on assets (annualized): -0.91%
Funding & liquidity66/100
Loans ÷ shares: 94.2% · 10.3% uninsured
Problem-loan coverage89/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 5.54%

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 3 points (55 → 52), mostly because the earnings component weakened by 26 points.

TellerScore
525660Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202457
Q3 202457
Q4 202456
Q1 202560
Q2 202555
Q3 202557
Q4 202557
Q1 202653
Q2 202652
Net worth ratio
7.00%8.84%10.68%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.55%
Q3 202410.65%
Q4 202410.61%
Q1 202510.68%
Q2 202510.45%
Q3 202510.48%
Q4 202510.23%
Q1 20269.70%
Q2 20269.59%
Delinquent loans (60+ days)
0.64%0.87%1.09%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.77%
Q3 20240.98%
Q4 20241.01%
Q1 20250.90%
Q2 20251.09%
Q3 20251.01%
Q4 20251.06%
Q1 20260.65%
Q2 20260.64%
Return on assets
-2.17%-0.93%0.31%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.15%
Q3 2024-0.06%
Q4 20240.02%
Q1 20250.31%
Q2 20250.15%
Q3 20250.18%
Q4 20250.17%
Q1 2026-2.17%
Q2 2026-0.91%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202652$261.4M9.59%0.64%-0.91%94.2%
Q1 202653$261.2M9.70%0.65%-2.17%89.4%
Q4 202557$261.5M10.23%1.06%0.17%87.3%
Q3 202557$254.4M10.48%1.01%0.18%91.6%
Q2 202555$253.6M10.45%1.09%0.15%95.0%
Q1 202560$253.1M10.68%0.90%0.31%90.0%
Q4 202456$253.1M10.61%1.01%0.02%90.9%
Q3 202457$250.5M10.65%0.98%-0.06%90.3%
Q2 202457$252.0M10.55%0.77%-0.15%92.3%

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 ratio9.59%
22nd
Problem loans0.64%
53rd
Net charge-offs1.81%
2nd
Return on assets-0.91%
1st
Loans to deposits94.2%
9th
Uninsured deposits10.3%
16th
Loan-loss reserves0.00%
50th
Texas ratio5.5%
35th

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Southwest Heritage Credit UnionCredit union Odessa, TX83 out of 100, Strong$260.9M13.3%0.20%vs
Gulf Coast Federal Credit UnionCredit union Corpus Christi, TX48 out of 100, Below average$259.8M8.3%1.31%vs
Border Federal Credit UnionCredit union Del Rio, TX88 out of 100, Very strong$269.8M17.8%0.67%vs
Members Trust of the Southwest Federal Credit UnionCredit union Houston, TX70 out of 100, Strong$273.7M8.5%0.09%vs
Unity One Credit UnionCredit union Fort Worth, TX51 out of 100, Below average$275.9M8.4%0.98%vs
Investex Credit UnionCredit union Humble, TX71 out of 100, Strong$245.4M11.4%0.47%vs

Deposit insurance

Is my money safe at Energy Capital Credit Union?

Yes. Energy Capital Credit Union is a federally insured credit union (NCUA charter #61936). 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 10.3% of shares and deposits ($23.7M) 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 9.59%, 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 Capital Credit Union lists 2 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Energy Capital Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
61936
RSSD ID
817794
Primary regulator
State + NCUA
Established
1935
Headquarters
18540 Northwest Fwy, Houston, TX 77065
Employees
52

Quick answers

Energy Capital Credit Union: common questions

Is Energy Capital Credit Union NCUA insured?

Yes. Energy Capital Credit Union is a federally insured credit union (NCUA charter #61936). 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 Capital Credit Union's TellerScore?

52 out of 100 (Below average), 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 Capital Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Houston

InstitutionScoreAssetsCapitalProblem loansCompare
Corpus Christi Postal Employees Credit UnionCredit union Corpus Christi, TX96 out of 100, Very strong$17.1M20.3%0.00%vs
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Light Commerce Credit UnionCredit union Houston, TX92 out of 100, Very strong$5.0M26.8%0.93%vs
Ila 1351 Federal Credit UnionCredit union La Porte, TX92 out of 100, Very strong$17.3M17.0%0.00%vs
F a a Federal Credit UnionCredit union Cordova, TN91 out of 100, Very strong$131.1M18.6%0.87%vs
Kbr Heritage Federal Credit UnionCredit union Houston, TX90 out of 100, Very strong$76.4M22.6%0.39%vs