Credit union · NCUA insured
Energy Capital Credit Union
A $261.2M credit union headquartered in Houston, TX, with 19,696 members and 4 branches in Texas. Best rates: CDs 3.75% and savings 0.25% APY.
Energy Capital Credit Union Carrot Score
66
Carrot Score
Higher than 17% of U.S. banks and credit unions
#88 of 107 in Houston, TX metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Energy Capital Credit Union
Established in 1934, Energy Capital Credit Union is a member-owned credit union where members own an equal share.
Headquartered in Houston, Texas, the credit union operates four branch locations across the Houston area.
Originally chartered for Humble Oil Employees under the Federal Credit Union Act, it adopted the name Energy Capital Credit Union in 1998.
- Headquarters
- 18540 Northwest Fwy, Houston, TX 77065
- NCUA charter
- 61936
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is available to any individual who lives, works, worships, or attends school, or any business entity, in Harris, Montgomery, Liberty, Brazoria, Fort Bend, or Waller County, Texas.
Family and household
- Membership is available to immediate family members of any existing ECCU member who live in the same household.
Branches
4 branches in Texas
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Texas
4 branches
- Northwest Community BranchMain office18540 Northwest Fwy, Houston, TX 77065Directions
- Katy Branch3211 Peek Rd, Katy, TX 77449Directions
- Campus BranchNature 2 Bldg LL B250, 22777 Springwoods Village Pkwy, Spring, TX 77389Directions
- Spring Community Branch24396 I-45 North, Spring, TX 77386Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 9.59% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.64% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | -0.91% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $94 | $76 | — |
- CapitalNet worth ratio9.59%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.64%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets-0.91%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$94Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Energy Capital Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.