# ENERGY CAPITAL
Houston, TX · NCUA charter 61936 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/energy-capital-61936

Who the members are: state charter, organized 1935. 19,696 members of 103,405 potential (19.1% of the field); checking penetration 50% (share draft accounts per 100 members); loans per 100 members 51.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $261.2M |
| Members | 19,696 (4.2% YoY) |
| Full-time staff | 51 |
| Net worth | $25.4M |
| Net worth ratio | 9.7% (p26 of band) |
| ROA (annualized) | -2.17% (p0 of band) |
| Total delinquency | 0.65% (p55 of band) |
| Net charge-offs (annualized) | 3.06% (p100 of band) |
| Loans / shares | 89% (p87 of band) |
| Cash / assets | 7.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.39% (p38 of band) |
| Operating expense / assets | 4.02% (p64 of band) |
| Vehicles % of loans | 52% (p84 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 62% |
| Third-party paper % of net worth | 417% (p98 of band) |
| Vehicle delinquency | 0.62% (p54 of band) |
| Vehicle NCO | 3.04% (p95 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 29% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 66% |
| Certificates % of member funds | 26% |
| Average share balance | $7,897 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $2.7M |
| Loans outstanding per 100 members | 51% |
| Loans granted per 100 members, annualized | 9% |
| Average loan balance | $20,923 |
| Loans granted, annualized | $90.3M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $2.7M outstanding purchased (10.8% of net worth), $1.8M sold and retained. Sold in 5 and bought in 3 of the last 8 quarters. Shares 4.9% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **charge-offs p90** (`aq_nco_high`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | thin capital, 3rd-party paper>100% NW |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 3 | members leaving |  |
| 2017-06 | 2 |  | thin capital |
| 2017-09 | 3 | assets shrinking |  |
| 2017-12 | 1 |  | members leaving, assets shrinking |
| 2018-03 | 2 | assets shrinking |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 | delinquency rising | assets shrinking |
| 2018-12 | 3 | assets shrinking |  |
| 2019-03 | 1 |  | delinquency rising, assets shrinking |
| 2019-06 | 2 | delinquency rising |  |
| 2019-09 | 1 |  | delinquency rising |
| 2019-12 | 1 |  |  |
| 2020-03 | 4 | net worth falling, margin squeeze, delinquency rising |  |
| 2020-06 | 2 |  | margin squeeze, delinquency rising |
| 2020-09 | 2 | delinquency rising | net worth falling |
| 2020-12 | 1 |  | delinquency rising |
| 2021-03 | 3 | net worth falling, delinquency 2x band |  |
| 2021-06 | 2 |  | net worth falling |
| 2021-09 | 2 | loans>95% of shares | delinquency 2x band |
| 2021-12 | 2 | net worth falling | loans>95% of shares |
| 2022-03 | 5 | delinquency 2x band, loans>95% of shares, auto monoline |  |
| 2022-06 | 2 |  | net worth falling, delinquency 2x band, auto monoline |
| 2022-09 | 2 |  |  |
| 2022-12 | 3 | delinquency 2x band, delinquency rising | loans>95% of shares |
| 2023-03 | 4 | loans>95% of shares |  |
| 2023-06 | 5 | losing money |  |
| 2023-09 | 4 |  | delinquency 2x band |
| 2023-12 | 1 |  | delinquency rising, loans>95% of shares, losing money |
| 2024-03 | 4 | losing money, assets shrinking, loan book shrinking |  |
| 2024-06 | 3 |  | loan book shrinking |
| 2024-09 | 3 |  |  |
| 2024-12 | 3 | delinquency rising | losing money |
| 2025-03 | 2 |  | delinquency rising |
| 2025-06 | 2 | loans>95% of shares | assets shrinking |
| 2025-09 | 1 |  | loans>95% of shares |
| 2025-12 | 1 |  |  |
| 2026-03 | 4 | net worth falling, losing money, charge-offs p90 |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-12-31 [Energy Capital Credit Union Breach Exposes Members' Social Security Numbers - Claim Depot](https://news.google.com/rss/articles/CBMie0FVX3lxTE5ZNWlDUVVpNkVmWFBFRmtrb3VTV1Ztb2hXX01fOE1fZ09mZEo4a0JuOGY1X24zVGV2cm5VQ0hqSHVjUUg5UFdyVUx4QldQS3c0WHdHNkZZZzlneVpKX3czWHBJX3JwLTlhZXBwdjVMYzNwaEVOX2ttM3NIMA?oc=5) · Claim Depot
- 2025-12-08 [Marquis Software Solutions Under Investigation for Data Breach of Over 780,000 Financial Records - Schubert Jonckheer & Kolbe](https://news.google.com/rss/articles/CBMickFVX3lxTE1vZVQ4bU5jSFVZOGJmZmVqbDJWLXBOcHcxWUZISVE3djVZZVM4ZHFaRTdFTk9vMGptMU5fY2NjMmNRRlRSX1BHVEJ6VjdDeHlSNEZIeTNYU2VoYVRaaDZqT2otMUJvaEROYWx3OWdlQmdIZw?oc=5) · Schubert Jonckheer & Kolbe
- 2025-03-26 [Corelation gains new core banking tech clients, reports go-lives - fintechfutures.com](https://news.google.com/rss/articles/CBMiugFBVV95cUxNRWo0MU05UWJISVZWbDE0QXFvX1RWUHNvVUJzRURDYWZBamNKNHRxS0xlUjEyQkxDOXFZTlMyTjhJVzhmeEdhZmdJN0lnekpuNEFnZ1RudVNidzRJbXRJQVZ2VmI4ZDRaMVFHN0FLRnd6N2x5OTF2U1c1R1BjOFBuQ1dRcGViWGRld1FPT2FfZjlockdRWGtPY2hiS3ZldndPRzJXT2tVTlFiTGxLM2I5SHd5bVpNenFBVWc?oc=5) · fintechfutures.com
- 2024-07-26 [Multiple Houston credit unions see double-digit asset growth over past year - The Business Journals](https://news.google.com/rss/articles/CBMioAFBVV95cUxQTkFtS2puSG9FTks0OHI3N19UeDFfT2JVa2JQdU90YzZpWGh6aVp6bllRT1RMYk1abnlnQllHamVSbWhQdkJNZVMxM1loUFl5TGxTUmY0Vmh0NGNCUjJjeW1zelFIMHJ0N1JEb3R1TDloNXhsdy0xaW1OSlRSS1o1TU05NS1XMVYycHprenRMaWlsZy01VnVvYk5QZnVvWUIx?oc=5) · The Business Journals
- 2018-06-21 [47 People Graduate From Development Education Training - cutoday.info](https://news.google.com/rss/articles/CBMilgFBVV95cUxNQkdhOTAyVVRHdEg0ZWJiRWVxN244cGxJRFpkOUUtZlpwMHhlMGxVSi1SalJ6UmR3V3Zsd3JOcUdadFhGUUpHbWtpVmFZNV9EWEpMUGdMby1wcnIxU3hUZHY0ckltbVdBeHZkc1V2NkxROC13dDNiZ0ZJOXJ3QU9pcjBaa0pCVWpaSTdSSGhDTExpMUkydXc?oc=5) · cutoday.info
- 2025-12-03 [Marquis data breach impacts over 74 US banks, credit unions - BleepingComputer](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNN25wV2ZwYk9ESjhEMGdsY1N4dXdSV2FBTUo2R21EX0JoODBvWlhTcVJ3TmtDdW5veDVucFZwS0V2M0Z5VGJsLVQ3MDJWQUpISFgtb1p6aWI0ZnE2MVdjTU8xXzZuclIwQ3ZGRVBCYl9jWXJjeURoNW9UM2hHay1uOElZSENqalFVWndUYV9xUjRnQ284QkpDSnJZNENHOHRfMnhDSnlSbXRzQdIBrwFBVV95cUxPNWZVaVhpYWZHQmVuT1ZWMUt1eTN6VjE1YnE5VC1wWWo0UE4xUG1BSmduNnBZckhtZE5ZTUFkQjdXa3dQS21JMHlIc015cEhsdkVfRzRsSU9YN3owcWFOcWNQQWJTcmxLcjJlYnRUYkd5UFBVclVVODdhVGQ0RTZVZjJDZlpiUWNQWjllcDBVcFQ0WW9qQ1dNNVY2TDNDeS11cU0xN2lNNHdnSG5mckE0?oc=5) · BleepingComputer
- 2022-09-12 [10 businesses, renovations coming soon to Katy | Katy - Fulshear - Community Impact](https://news.google.com/rss/articles/CBMikgFBVV95cUxOaTl6RUdWZ2lYRDRyU29rYWswUmdvcEx4S2hPTzZDTnhmMjR2MTJGNnUzWDZzblpnYU1QSWZzdnBxa2FENGM4c2g5OWlRYmdyS2d5S2RMQk56Z0tub19vSkdzbHl4WW9BUUd3S2t2VWI1XzJLaEZGdjdnUmNaTFZPcnBSdlZyRDJlT3ZSeTRuTlVqQQ?oc=5) · Community Impact
- 2020-04-13 [Spring-Klein Chamber of Commerce launches T-shirt fundraiser to support members during pandemic - Community Impact](https://news.google.com/rss/articles/CBMi3wFBVV95cUxOYzI4aEhXeU01b2JBeDV6Y3p6QTh0SnBPd05rRTgxSXZQa2xZRFk5WXdYaEFzZTgzSmtpVTZjMVhSNGcwV2NXMDZKUlVwNThrQzJuVnQ5Wm5jS0QwTUwzbUdmOUVFWDVQTEJoZXdZYlJ4YTBMUWtUR3I5cWsyeW1WTDVfQ1U2bjdpVFhOQ0UtX2lCcnY2M1FuUnpoVGZ1M2s3VzlGRjVLOTF1ZnNBc1g4M2hqbkNIUGdJNjMtRHFIQkdjSXRSUjg3eGVDV1hOX09KU0o1QnA4UkxQRDM4T2JF?oc=5) · Community Impact

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=61936 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/48.json (key "61936", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=61936
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide