Federal credit union · Houston, Texas · NCUA charter #24769
Empowerment Community Development
Health score 52/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 52
- Health / 100
- $757K
- Total assets
- 595
- Members
- 7.3%
- Net-worth ratio
Empowerment Community Development scores 52/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $757K; members 595; net-worth ratio 7.26%; health rank #4,247 of 4,374; healthier than 3rd of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#4,247 of 4,374 health · 2025Q4Empowerment Community Devel… · health 52/100 · $757K · 2025Q4
Call Report peers
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Empowerment Community Development vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Empowerment Community Development sits in 50-54 with 82 others.
52 3rd percentile higher than 3% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Empowerment Community Development: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 67.03% here, 52.70% peer average (+14.33 pp).
- Delinquency Rate trails the peer set - 25.75% here, 4.48% peer average (+21.27 pp).
Empowerment Community Development in Texas
- Health composite ranks #378 of 386 among scored Texas credit unions.
- By total assets, Empowerment Community Development is #383 of 386 in Texas.
- Membership ranks #356 of 386 among Texas CUs with a reported count (595 members).
- One place up in Texas, Pear Orchard (#377) ties at 52/100; one place down, Brazos Community (#379) scores 51/100, 1 point lower.
How Empowerment Community Development's 5300 filing moved
Empowerment Community Development: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -6.9% from $757K (2025Q4) to $705K (2026Q1).
- Net-worth ratio shifted -3.08 pp (10.34% → 7.26%).
7.26% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 52/100 score is built
Empowerment Community Development gives up 48 points in total. Delinquency Rate costs the most, 25 of its 25; Loan-to-Share Ratio loses the least, 0.7.
- Net Worth Ratio 23.1 pts
- Delinquency Rate 0.0 pts
- Return on Assets 13.8 pts
- Member Growth 1.2 pts
- Loan-to-Share Ratio 13.9 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 7.26% | -15.67 pp |
| Delinquency Rate | 25.75% | +21.27 pp |
| Return on Assets | 0.42% | +0.20 pp |
| Member Growth | -4.34% | - |
| Loan-to-Share Ratio | 67.03% | +14.33 pp |
Peer averages: Under $2M cohort, 243 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $705K | - |
| 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
Branch Locations (3)
Empowerment Community Development operates 3 offices in Houston, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Empowerment CDFCU (Main Office) | Houston, TX |
| Team Financial FCU | Houston, TX |
| Total One Data Services | Houston, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
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.
Nationwide credit unions with similar profiles
Similar health score
Using this data
- Empowerment Community Development ranks #4,247 of 4,374 nationally on financial health and #378 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Pear Orchard is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Pear Orchard
Frequently Asked Questions
Is Empowerment Community Development financially healthy?
On its 2025Q4 NCUA 5300 filing, Empowerment Community Development scores 52/100 (Fair), with a 7.26% net worth ratio and 25.75% of loans delinquent. It ranks #4,247 of 4,374 nationally on health and #378 of 386 in Texas.
How does Empowerment Community Development compare to other credit unions?
Empowerment Community Development scores 52/100, higher than 3% of the 4,374 scored credit unions. Against the 243 peers in the Under $2M cohort, its widest edge is loan-to-share ratio (67.03% vs 52.70%). Its widest shortfall is delinquency rate (25.75% vs 4.48%).
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?
Empowerment Community Development is a federal credit union; its shares are federally 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 7.26% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.