Empowerment Community Development Federal Credit Union

Houston, TX

Rating Date

September 2025

Net Capital
Ratio

Leverage
Ratio

Return On
Assets

Total
Assets

Capital

Total
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Weiss Ratings	Empowerment Community Development Federal Credit Union Houston, TX	Click to Compare	Click to Compare	Click to Compare
Rating	D
Asset Quality Index	0.70
Capitalization Index	5.70
Liquidity Index	5.80
Profitability Index	1.20
Stability Index	3.50

Company Info	Empowerment Community Development Federal Credit Union Houston, TX	Click to Compare	Click to Compare	Click to Compare
NCUA Charter Number	6341
Phone Number	(713) 726-2515
Website	www.ecdfcu.com

Asset Quality	Empowerment Community Development Federal Credit Union Houston, TX	Click to Compare	Click to Compare	Click to Compare
1-Year Asset Growth	-10.14%
5-Year Asset Growth	-1.81%
5-Year Charge-Offs to Average Loans	0.30%
Charge-Offs to Average Loans	0.00%
Non-Performing Assets to Assets	4.32%
Non-Performing Loans to Capital	47.67%
Non-Performing Loans to Loans	8.17%

Balance Sheet	Empowerment Community Development Federal Credit Union Houston, TX	Click to Compare	Click to Compare	Click to Compare
Total Assets	948.00K
Total Deposits	863.00K

Capital and Reserves	Empowerment Community Development Federal Credit Union Houston, TX	Click to Compare	Click to Compare	Click to Compare
Capital	77.00K
Leverage Ratio	8.12
Loan Loss Reserves to Loans	1.79%

Liquidity	Empowerment Community Development Federal Credit Union Houston, TX	Click to Compare	Click to Compare	Click to Compare
Hot Money Ratio	0.00%
Liquidity Ratio	47.42%

Profitability	Empowerment Community Development Federal Credit Union Houston, TX	Click to Compare	Click to Compare	Click to Compare
5-Year Return on Average Assets	0.00%
Net Income	-3.00K
Net Interest Spread	4.65%
Operating Profit to Average Assets	-0.60%
Overhead Efficiency Ratio	115.79%
Return on Assets	-0.60%
Return on Equity	-7.50%