ENERGY CAPITAL
State-Chartered • Houston, Texas • Est. 1935
Quick Facts
- Charter Number
- #61936
- Type
- State-Chartered
- Established
- 1935
- Headquarters
- Houston, Texas 77065
- Address
- 18540 Northwest Fwy
- Branches
- 4
- ATMs
- 3
- Members
- 19,414
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Well-capitalized with a healthy net worth ratio and solid financial fundamentals. A reliable institution with good long-term stability.
Financial Overview
Total Assets
Members
19,414 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | ENERGY CAPITAL |
|---|---|
| Total Assets | $261.5M |
| Members | 19,414 |
| Loans Outstanding | $202.3M |
| Shares & Deposits | $231.9M |
| Net Worth | $26.8M |
| Net Worth Ratio | 10.23% |
| Loan-to-Share Ratio | 87.3% |
| Delinquency Rate | 1.06% |
| Net Income | +$1,775,659 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
4 locations · 3 ATMs
Northwest Community Branch
Main Office18540 Northwest Fwy
Houston, TX 77065
Campus Branch
Nature 2 Bldg LL B250
Spring, TX 77389-1425
Spring Community Branch
24396 I-45 North
Spring, TX 77386
Katy Branch
3211 Peek Rd
Katy, TX 77449
Who Can Join ENERGY CAPITAL?
Membership Type: Community
Membership eligibility for ENERGY CAPITAL may vary. Contact the credit union directly to confirm qualification requirements.
Contact ENERGY CAPITAL directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View Texas RankingsFrequently Asked Questions
Yes. ENERGY CAPITAL is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, ENERGY CAPITAL has 19,414 members and a potential membership field of 102,518 people.
ENERGY CAPITAL's net worth ratio is 10.23% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 10.2%, ENERGY CAPITAL meets this threshold.
ENERGY CAPITAL operates 4 branch locations and has access to 3 ATMs. The main office is located at 18540 Northwest Fwy, Houston, TX 77065.
ENERGY CAPITAL was established in 1935. It is a state-chartered credit union chartered under charter number 61936. The institution has been serving members for 91 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or ENERGY CAPITAL. All financial data is for informational purposes only.