Check before you give

Energy Capital Credit Union

EIN 74-1110016 · Houston, TX

Public records raise at least one point you should look into before giving.

What it says it does

Cooperative Provider of Credit Union Financial Services

Source: Form 990 for the year ending December 31, 2025, filed with the Internal Revenue Service. How we rate

We do not score finances when yearly spending is very small or the return has too little detail. The ratios stop meaning much at that size.

Source: Form 990 for the year ending December 31, 2025, filed with the Internal Revenue Service. How we rate

This return does not answer enough of the governance questions to score.

Source: Form 990 for the year ending December 31, 2025, filed with the Internal Revenue Service. How we rate

Describes programs. Its tax return describes what it does but we have found no measurable results in it.

Programs described in its return (4)

$731,067 spent. SHARE ACCOUNTS - ENERGY CAPITAL CREDIT UNION'S SHARE ACCOUNTS OFFER ADVANTAGES TO MEMBERS OF ALL AGES. THE CREDIT UNION HAD 19,414 MEMBER-OWNER ACCOUNTS AS OF DECEMBER 31, 2025. MEMBER SAVINGS ACCOUNTS PAY DIVIDENDS MONTHLY AND OFFER ACCESS THROUGH THE SHARED BRANCH NETWORK, HOME BANKING VIA THE INTERNET, 4 BRANCH LOCATIONS AND ATMs WORLDWIDE. SPECIAL SAVINGS ACCOUNTS DESIGNED FOR CHILDREN AND TEENAGRS ENCOURGAE THE DEVELOPMENT OF CONSISTENT SAVINGS HABITS. Code: 522130
$803,839 spent. CHECKING ACCOUNTS- ENERGY CAPITAL CREDIT UNION PROVIDES CHECKING ACCOUNTS FOR CONSUMERS WITH VARIOUS FEATURES FROM FREE ACCOUNTS TO THOSE WITH ENHANCED BENEFITS. MOST OFFER DIVIDENDS THAT ARE PAID MONTHLY. ADDITIONALLY, THE CREDIT UNION EXTENDS THE REACH OF THESE ACCOUNTS TO ALL MEMBERS WITH FREE DEBIT CARDS, INTERNET ACCOUNT ACCESS AND FREE USE OF THE INTERNET BILL PAY BROGRAM. 50% OF THE CREDIT UNION'S MEMBERS HAVE A CHECKING ACCOUNT. Code: 522130
$1.4 million spent. CONSUMER LOANS - ENERGY CAPITAL CREDIT UNION HAS PROVIDED VEHICLE LOANS SINCE ITS FIRST YEAR OF OPERATIONS. THE CONSUMBER LOAN PRODUCT LINE NOW INCLUDES EFFICIENT UNDERWRITING AND FLEXIBLE OFFERINGS FOR AUTO, SIGNATURE LOANS, CREDIT CARDS, RECREATIONAL VEHICLES, BOATS, MOTORCYCLES, HOME EQUITY AND MORTGAGE LOANS. CONSUMER DEBT PROTECTION INSURANCE IS AVAILABLE ON MAY OF THESE LOAN TYPES. Code:522130
$11.8 million spent. GENERAL OVERHEAD FOR OPERATIONS OF THE CREDIT UNION, SEE SCHEDULE O STATEMENT 1

Source: Form 990 for the year ending December 31, 2025, filed with the Internal Revenue Service. How we rate

Is it registered with the IRS? Passed.
Listed in the IRS master file of tax-exempt organizations as a 501(c)(14) credit union.
Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated October 13, 2026.
Has the IRS revoked its tax-exempt status? Passed.
Not on the IRS automatic revocation list.
Source: Automatic revocation of exemption list, Internal Revenue Service, file dated October 13, 2026.
Are donations tax-deductible? Caution.
The IRS master file records contributions to this 501(c)(14) credit union as not deductible.
Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated October 13, 2026.
Is it keeping up with its IRS filings? Passed.
Most recent return on file covers the year ending December 2025.
Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated October 13, 2026.
How long has it been tax-exempt? Passed.
Recognized by the IRS since June 1976.
Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated October 13, 2026.
Is it in good standing with state regulators? Passed.
Not on California's list of charities barred from soliciting. Other states are not yet checked.
Source: May Not Operate or Solicit for Charitable Purposes list, California Attorney General, Registry of Charities and Fundraisers, file dated October 21, 2026.

Ratings and checks are our reading of public records, using the published method. They are not a statement about anyone's honesty. If you work for this organization, you can send corrections or results, confirm you want gifts through Veridonate, or ask to be removed from giving.