ENERGY CAPITAL
Charter #61936 · Houston, TX · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 9.70% sits at the 25th percentile of structural peers — worth a closer look.
- Return on average assets of -2.17% sits at the 0th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 3.10% sits at the 98th percentile of structural peers — worth a closer look.
- Efficiency ratio of 96.93% sits at the 98th percentile of structural peers — worth a closer look.
- On Members, the asset-size band puts this credit union at the 76th percentile but its structural peers at the 54th — a 22-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | ENERGY CAPITAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $261.20M | 66th pct | 46th pct |
| Members | 19,696 | 76th pct | 54th pct |
| Net worth ratio | 9.70% | 24th pct | 25th pct |
| Return on average assets | -2.17% | 1th pct | 0th pct |
| Net interest margin | 3.38% | 34th pct | 26th pct |
| Cost of funds | 1.64% | 74th pct | 74th pct |
| Loan-to-share | 89.38% | 88th pct | 87th pct |
| Delinquency 60+ days | 0.65% | 54th pct | 69th pct |
| Net charge-off ratio | 3.10% | 100th pct | 98th pct |
| Loan growth YoY | 2.07% | 67th pct | 49th pct |
| Share growth YoY | 4.59% | 66th pct | 74th pct |
| Efficiency ratio | 96.93% | 96th pct | 98th pct |
structural peer set hash: 7350bff04e6bd62179a0cff65c2c6196… (reproducible)
Closest structural peers
This is the free public view
Claim ENERGY CAPITAL
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.