ENERGY CAPITAL CREDIT UNION

EIN: 741110016

Houston, TX

Total Revenue
$15,703,673
Total Expenses
$14,716,777
Total Assets
$261,546,233
Net Assets
$25,646,865
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Financial Vulnerability Assessment (Tuckman-Chang)

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Financial Trends

Organization Details

Formation Year
1934
Legal Domicile
TX
Principal Officer
Kanika Boutte
Phone
8326044848
Tax Period
2025-01-01 to 2025-12-31

ENERGY CAPITAL CREDIT UNION, founded in 1934, is a mid-sized nonprofit that reported $15.7M in total revenue in fiscal year 2025. Expenses of $14.7M left a modest 6% surplus.

Mission

Cooperative Provider of Credit Union Financial Services

Program Service Accomplishments

Program 1
Expenses: $731,067 Revenue: $341,747

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...

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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

Program 2
Expenses: $803,839 Revenue: $760,102

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...

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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

Program 3
Expenses: $1,417,740 Revenue: $12,180,080

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...

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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

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

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Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $0
Program Service Revenue $14,429,569
Investment Income $1,273,588
Other Revenue $516
TOTAL REVENUE $15,703,673

Expense Breakdown

Grants Paid $0
Salaries & Benefits $4,506,638
Fundraising Expenses $0
Program Expenses $14,716,775
Other Expenses $10,210,139
TOTAL EXPENSES $14,716,777

Year-over-Year Comparison

2025 2024 Change
Revenue $15,703,673 $14,992,581 +0.0%
Expenses $14,716,777 $14,712,419 +0.0%
Net Income $986,896 $280,162 +2.5%
Key Indicators
✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required
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Financial Distress Indicator

Liquidity & Cash Position

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Governance

Voting Members
8
Independent Members
8
Employees
70
Volunteers
8

Governance Policies

✓ Conflict of Interest Policy
✗ Whistleblower Policy
✓ Document Retention Policy

Special Practices & Reported Activities

✗ Operated a School
✗ Operated a Hospital
✗ Provided First Class Travel
✗ Reported Conflict of Interest
✗ Reported Asset Diversion
✗ Excess Benefit Transaction
✗ Made Political Expenditures
✗ Engaged in Lobbying
✗ Operated Donor Advised Fund
✗ Maintained Art Collections
✗ Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers
5
$1,028,962
Total Directors
8
$0
Key Employees
5
$1,028,962
Highest Compensated
1
reported
Name Title Hours/Week Role Reportable Comp Other Comp Total
Kanika Boutte Chief Executive Officer 40
Officer Key Emp Highest
$299,587 $0 $299,587
Corey Cunningham Chief Financial Officer 45
Officer Key Emp
$262,468 $0 $262,468
Deana Price HR VP 40
Officer Key Emp
$158,926 $0 $158,926
Danny Contreras MSVP 45
Officer Key Emp
$156,271 $0 $156,271
JoJo Tharayil VP IT 40
Officer Key Emp
$151,710 $0 $151,710
George Edwards Director 2
Director
$0 $0 $0
Brent Rawson Director 2
Director
$0 $0 $0
Kimberly Irchirl-Carter Director; Board Chair 3
Director
$0 $0 $0
Shannon Rives Director 2
Director
$0 $0 $0
Gregg Cooper Director 2
Director
$0 $0 $0
Paul Donovan Director 2
Director
$0 $0 $0
Abbas Raad Director 2
Director
$0 $0 $0
Essence Castro Advisory Director 1
Director
$0 $0 $0
Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year Revenue Expenses Assets Net Income
2025 $15,703,673 $14,716,777 $261,546,233 $986,896
2024 No data No data No data No data
2023 $14,126,270 $14,000,336 $257,823,663 $125,934
2022 $11,699,224 $10,505,584 $275,309,619 $1,193,640
2021 $11,030,260 $9,737,295 $259,660,339 $1,292,965
2020 $10,095,378 $9,190,771 $234,484,994 $904,607
2019 $10,343,233 $9,109,678 $224,239,017 $1,233,555
2018 $9,587,674 $8,026,687 $217,149,377 $1,560,987
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