Sep, 30, 2025 — ENERGY CAPITAL CREDIT UNION is a federally insured state chartered credit union headquartered in HOUSTON, TX with 4 branch locations and about $254.37 million in total assets. Opened 91 years ago in 1935, ENERGY CAPITAL CREDIT UNION has about 19,131 members and employs 47 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | ENERGY CAPITAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 18540 Northwest Fwy HOUSTON, TX 77065 |
| Phone: | (832) 604-4848 |
| Fax: | (832) 604-4854 |
| Website: | https://www.eccu.net |
| Branches: | 4 branch locations |
| Members: | 19,131 |
| Credit Union Type: | Federally Insured State Chartered Credit Union |
| Charter Number: | 61936 |
|---|---|
| Membership Type: | State chartered natural person |
| Corporate Credit Union: | No |
| Year Opened: | 1935 |
| Last Audited: | Jun 01, 2025 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $254,373,933 |
| CEO/Manager: | Kanika Boutte |
| Chairperson: | Shannon Rives |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 15,160,389 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 53,590,202 |
| Unsecured Loans | 13,053,637 |
| Other Loans | 137,413,313 |
| TOTAL LOANS | 204,057,151 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -1,813,289 |
| Land And Building | 9,543,258 |
| Other Fixed Assets | 784,096 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 2,006,000 |
| All Other Assets | 92,875 |
| TOTAL ASSETS | 254,373,933 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 328,543 |
| Notes & Interest Payable | 2,600,000 |
| Accounts Payable & Other Liabilities | 3,442,279 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 75,591,906 |
| Regular shares | 62,048,010 |
| All Other Shares & Deposits | 85,168,168 |
| TOTAL SHARES & DEPOSITS | 222,808,083 |
| TOTAL LIABILITIES | 229,178,905 |
| Regular Reserve | 0 |
| Other Reserves | -945,305 |
| Undivided Earnings | 26,140,333 |
| TOTAL EQUITY | 25,195,028 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 254,373,933 |
| INCOME & EXPENSE | |
| Loan Income | 8,959,991 |
| Investment Income | 758,110 |
| Other Income | 902,416 |
| Total Employee Compensation & Benefits | 3,210,118 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 3,873,380 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 926,194 |
| Cost of Funds | 3,096,431 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 335,140 |
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