Energy Capital

Houston, TX · 2 · Charter #61936 · www.eccu.net
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$261.5M
5th percentile
Members
19,414
23th percentile
Total loans
$202.3M
20th percentile
Total shares
$223.2M
3th percentile

Profitability

Return on assets
0.61%
27th percentile
Net interest margin
3.39%
44th percentile
Efficiency ratio
61.56%
38th percentile
Non-interest income ratio
15.64%
30th percentile

Capital & Risk

Net worth ratio
10.25%
39th percentile
Delinquency rate
1.06%
25th percentile
Net charge-off rate
0.72%
23th percentile
Loan-to-share
90.62%
75th percentile

Growth

Member growth YoY
4.27%
86th percentile
Asset growth YoY
3.36%
37th percentile
Loan growth YoY
0.76%
31th percentile
Share growth YoY
4.93%
53th percentile

Operations

Members / branch
4,854
55th percentile
Assets / member
$13,472
25th percentile
Field of membership penetration
18.94%
83th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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