Energy Capital Credit Union

Overview / Commentary
18540 Northwest Fwy
Houston, TX 77065

Energy Capital Credit Union is headquartered in Houston and is the 86th largest credit union in the state of Texas. It is also the 1,063rd largest credit union in the nation. It was established in 1935 and as of June of 2022, it had grown to 51 employees and 18,576 members at 3 locations. Energy Capital Credit Union has an A health rating.

Field of Membership Restrictions

Membership in Energy Capitol Credit Union is open to those who live in the Texas counties of Harris or Montgomery. As stated on the online application, individuals who live, work, or worship in 44 different Zip Codes in Harris and Montgomery Counties also qualify for membership. Employees/contractors of 18 Houston area businesses (including ExxonMobile) are eligible to join.
See current membership details

Related Posts

Energy Capital Credit Union (TX) Has Top 1-, 2- and 3-Year CD Rates - 3/5/2022

Energy Capital Credit Union (Houston area) is offering limited-time competitive rates on its 12-, 24-, and 36-month CDs. Minimum opening deposit is $1k.

Energy Capital Credit Union (TX) Adds Competitive 18-Month CD - 11/11/2021

Energy Capital Credit Union (Houston area) has added an 18-month CD that earns a very competitive rate. $1k minimum opening deposit, with no stated balance cap.

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Reviews (1)

Came For The Rates, Stayed For The Service

This is a great CU - the CD specials they have been running are very competitive. But I've also noticed that they provide great service and have a lot of other products available (including retirement planning and insurance).


Health Grade Components

NCUA #61936
Year Chartered1935
Primary Regulator
Profit Margin
Return on Assets - YTD0.45%
Return on Equity - YTD4.76%
Annual Interest Income$4.3MM
Assets and Liabilities
AssetsQ2 2022vs Q2 2021$268.9MM$237.2MM
LoansQ2 2022vs Q2 2021$228.6MM$195.5MM
DepositsQ2 2022vs Q2 2021$239.9MM$211.1MM
Equity CapitalQ2 2022vs Q2 2021$25.5MM$23.9MM
Loan Loss AllowanceQ2 2022vs Q2 2021$990.00K$1.1MM
Unbacked Noncurrent LoansQ2 2022vs Q2 2021$686.00K$1.3MM
Real Estate OwnedQ2 2022vs Q2 2021$0$0

Rates for Energy Capital Credit Union are currently being reviewed.


Energy Capital Credit Union Locations
Branch Office18540 Northwest FwyHouston, TX 77065
Branch OfficeNature 2 Bldg LL B250 22777 Springwoods Village PkwySpring, TX 77389-1425
Branch Office24396 I-45 NorthSpring, TX 77386

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