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

Energy Capital Credit Union is a cooperative thrift institution and is a member of the National Credit Union Administration Insurance Fund. The Credit Union is regulated by the State of Texas Credit Union Department as well as the National Credit Union Administration. Energy Capital Credit Union offers products and services in four primary areas: share accounts, checking accounts, consumer loans, and real estate loans.

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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 Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

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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