Charter 24769 · Houston, TX
Empowerment Community Development Federal Credit Union
Empowerment Community Development Federal Credit Union is a federally chartered credit union in Houston, Texas, with $685 thousand in assets and 571 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 5.93%, below the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $685 thousand
- -27.8% in a year
- Members
- 571
- -4.8% in a year
- Net worth ratio
- 5.93%
- Peer median 19.32%
- Loans 60+ days late
- 42.08%
- Peer median 0.66%
- Loans outstanding
- $408 thousand
- -18.8% in a year
- Shares and deposits
- $647 thousand
- -25.1% in a year
- Branches
- 2
- 0 employees
- Opened
- 2006
- Federal charter
How Empowerment Community Development Federal Credit Union compares
NCUA groups credit unions by size; Empowerment Community Development Federal Credit Union is in the group with under $2 million in assets (232 credit unions). Its net worth ratio of 5.93% is lower than that group's median of 19.32%, and its share of loans 60 or more days past due, 42.08%, is higher than the group median of 0.66%. Loans fell 18.8% over the year to Q2 2026, against a group median of a 7.3% fall.
By assets it ranks 377 of 380 credit unions headquartered in Texas. See all Texas credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $685 thousand | 571 | $408 thousand | 5.93% | 42.08% |
| Q1 2026 | $705 thousand | 583 | $427 thousand | 7.26% | 25.59% |
| Q4 2025 | $757 thousand | 595 | $455 thousand | 10.34% | 25.75% |
| Q3 2025 | $755 thousand | 596 | $471 thousand | 10.61% | 10.72% |
| Q2 2025 | $948 thousand | 600 | $502 thousand | 8.10% | 8.10% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 5,000 potential members. It holds NCUA's low-income designation, which lets it accept non-member deposits and raise secondary capital. It is designated a minority depository institution.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 3 sites for Empowerment Community Development Federal Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- Team Financial FCU
2190 North Loop W Ste 108, Houston, TX 77018 - Total One Data Services
9361 Winkler Dr Ste C, Houston, TX 77017 - Empowerment CDFCU (main office)
6011 W Orem Dr, Houston, TX 77085
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology