Energy Capital
Energy Capital is a credit union based in Houston, Texas, established in 1935, with $261 million in total assets serving 19,696 members. By Trust Grade it ranks 374th of 379 credit unions we track in Texas. Its net worth ratio of 9.7% trails most similarly sized credit unions (27th percentile), versus a Texas median of 13.5%. It posted a loss over the most recent period (-2.17% return on assets), a point to watch. No consumer complaints against Energy Capital appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Energy Capital compares to Texas peers
How we graded Energy Capital
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (9.7% capital ratio)
- Unprofitable over the period (ROA -2.17%)
- No CFPB complaints on record
The Trust Grade is Bankzia’s independent, documented opinion computed from public FDIC/NCUA/CFPB data — not an official rating, and not a statement about the safety of insured deposits. Report a data error or dispute this grade →
Consumer complaints (CFPB)
No CFPB complaints are on file for Energy Capital over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at Energy Capital insured?
Yes. Energy Capital is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Energy Capital: frequently asked questions
Is Energy Capital a good credit union?
Energy Capital earns a Bankzia Trust Grade of D (64/100, "Fair"), based on a financial-strength score of 64/100 (it has no CFPB complaints on record). Well-capitalized (9.7% capital ratio); Unprofitable over the period (ROA -2.17%).
Is Energy Capital NCUA-insured?
Yes. Energy Capital is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.
How big is Energy Capital?
Energy Capital holds $261 million in total assets, ranking 374th of 379 credit unions we track in Texas. It serves 19,696 members.
Does Energy Capital have CFPB complaints?
No CFPB complaints against Energy Capital appear in our data over the analysis window, which is typical for a credit union of this size.
Similar Credit Unions
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
