Federal credit union · Houston, Texas · NCUA charter #24769
Empowerment Community Development
Health score 59/100 (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 59
- Health / 100
- $757K
- Total assets
- 595
- Members
- 10.3%
- Net-worth ratio
Empowerment Community Development - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #24769: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Empowerment Community Development - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)0
- Earnings (ROA)92
- Member growth8
- Liquidity (loan-to-share)96
Weighted composite: 59/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
10.34% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 10.34% | 30% |
| Delinquency Rate | 25.75% | 25% |
| Return on Assets | 0.42% | 15% |
| Member Growth | -4.34% | 15% |
| Loan-to-Share Ratio | 67.03% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $757K | 595 |
| 2024Q4 | $1.0M | 622 |
| 2023Q4 | $1.0M | 627 |
Credit Union Details
- Charter Number
- 24769
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Under $2M
- State
- Texas
- City
- Houston
- Data Quarter
- 2025Q4
What This Data Says About Empowerment Community Development
595 members and $757K in total assets sit behind Empowerment Community Development, a federal credit union in Houston, Texas, which posts a health score of 59/100 (Fair) on the five-factor composite, with $455K in outstanding loans as of Q4 2025 and a net worth ratio of 10.34% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #24769 in peer group Under $2M, a cohort of 243 similarly-sized institutions.
Loan book quality rounds out the picture. The delinquency rate of 25.75% measures loans 60+ days past due against total loans outstanding - the peer group average for Under $2M credit unions sits at 4.477%, so this institution is running looser than peers. The loan-to-share ratio of 67.03% indicates how aggressively member deposits are being deployed into lending, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 0.42% on net income of $3K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -4.34%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Community); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
Nearby Credit Unions in Texas
A look at other Texas credit unions, ranked by how closely their peer group and asset size match this one.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Empowerment Community Development financially healthy?
Empowerment Community Development scores 59/100 (Fair) on financial health, per the NCUA 5300 Call Report for Q4 2025. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 10.34% net worth ratio and a 25.75% delinquency rate.
How does Empowerment Community Development compare to other credit unions?
PlainCU's health composite puts Empowerment Community Development at 59/100, compared to a peer group average for Under $2M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Empowerment Community Development?
Empowerment Community Development operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Empowerment Community Development directly for the exact boundaries and application steps.
Is my money safe at Empowerment Community Development?
Federal credit unions like Empowerment Community Development are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Empowerment Community Development's net worth ratio of 10.34% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Empowerment Community Development offer compared to banks?
Credit unions like Empowerment Community Development are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Empowerment Community Development directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.