Nonprofit · EIN 74-1110016
ENERGY CAPITAL CREDIT UNION
Tax-exempt · HOUSTON, TX 77065
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| December 31, 2025 | 990 | $15,703,673 | $14,716,777 | $986,896 | $261,546,233 | $235,899,368 | $25,646,865 |
| December 31, 2024 | 990 | $14,992,581 | $14,712,419 | $280,162 | $253,053,367 | $228,469,056 | $24,584,311 |
| December 31, 2023 | 990 | $14,126,270 | $14,000,336 | $125,934 | $257,823,663 | $233,561,987 | $24,261,676 |
Financial details: 990 for the year ended December 31, 2025
Revenue
- Contributions, gifts and grants
- $0
- Program service revenue
- $14,429,569
- Investment income
- $1,273,588
- Other revenue
- $516
Expenses
- Grants and similar amounts paid
- $0
- Compensation of officers, directors and key employees
- $1,028,963
- Other salaries and wages
- $2,706,640
- Salaries, compensation and benefits (total)
- $4,506,638
- Professional fundraising fees
- $0
- Legal fees
- $95,310
- Accounting fees
- $77,765
- Occupancy
- $679,843
- Travel
- $72,320
- Depreciation
- $365,083
Balance sheet and other
- Total assets, start of year
- $253,053,367
- Total assets, end of year
- $261,546,233
- Total liabilities, end of year
- $235,899,368
- Net assets, end of year
- $25,646,865
- Land, buildings and equipment
- $9,096,764
- Gross unrelated business income
- $516
- Gross receipts
- $15,703,673
- Employees
- 70
- Volunteers
- 8
- Year formed
- 1934
- State of legal domicile
- TX
From the e-filed returns the IRS publishes as XML (latest three processing years; amended returns replace the original). PDF copies at the IRS.
Officers, directors and key employees
As listed on the 990 for the year ended December 31, 2025, highest compensation first.
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| Kanika Boutte | Chief Executive Officer Institutional trustee, Officer, Key employee, Highest-paid employee | 40 | $299,587 |
| Corey Cunningham | Chief Financial Officer Institutional trustee, Officer, Key employee | 45 | $262,468 |
| Deana Price | HR VP Officer, Key employee | 40 | $158,926 |
| Danny Contreras | MSVP Officer, Key employee | 45 | $156,271 |
| JoJo Tharayil | VP IT Officer, Key employee | 40 | $151,710 |
| George Edwards | Director Trustee or director | 2 | $0 |
| Brent Rawson | Director Trustee or director | 2 | $0 |
| Kimberly Irchirl-Carter | Director; Board Chair Trustee or director, Institutional trustee | 3 | $0 |
| Shannon Rives | Director Trustee or director | 2 | $0 |
| Gregg Cooper | Director Trustee or director | 2 | $0 |
| Paul Donovan | Director Trustee or director | 2 | $0 |
| Abbas Raad | Director Trustee or director | 2 | $0 |
| Essence Castro | Advisory Director Trustee or director | 1 | $0 |
990 for the year ended December 31, 2024: 14 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| Kanika Boutte | Chief Executive Officer Institutional trustee, Officer, Key employee, Highest-paid employee | 40 | $272,580 | $31,351 |
| Corey Cunningham | Chief Financial Officer Institutional trustee, Officer, Key employee, Highest-paid employee | 40 | $235,016 | $10,329 |
| JoJo Tharayil | VP IT Key employee, Highest-paid employee | 40 | $150,257 | $19,065 |
| Deana Price | HR VP Institutional trustee, Key employee | 40 | $138,794 | $16,548 |
| Danny Contreras | MSVP Key employee | 40 | $131,935 | $3,935 |
| Valerie Dahlgren-Ballew | VP Lending Former | 40 | $108,218 | $21,879 |
| George Edwards | Director Trustee or director | 2 | $0 | $0 |
| Brent Rawson | Director; Board Chair; Trustee Trustee or director | 3 | $0 | $0 |
| Detra Johnson | Director Trustee or director | 2 | $0 | $0 |
| Kimberly Irchirl-Carter | Director Trustee or director, Institutional trustee | 3 | $0 | $0 |
| Shannon Rives | Director Trustee or director | 2 | $0 | $0 |
| Gregg Cooper | Director Trustee or director | 2 | $0 | $0 |
| Todd Reppert | Director Trustee or director | 2 | $0 | $0 |
| Akpevwen Onoyase | Director Trustee or director, Former | 2 | $0 | $0 |
990 for the year ended December 31, 2023: 12 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| Kanika Boutte | Chief Executive Officer Institutional trustee, Officer, Key employee, Highest-paid employee | 50 | $295,813 | $19,021 |
| Corey Cunningham | Chief Financial Officer Institutional trustee, Officer, Key employee | 50 | $251,074 | $6,274 |
| Deana Price | HR VP Key employee | 40 | $137,892 | $12,569 |
| Danny Contreras | MSVP Key employee | 50 | $132,609 | $12,489 |
| Valerie Dahlgren-Ballew | VP Lending Key employee | 50 | $134,316 | $10,237 |
| Brent Rawson | Director; Board Chair; Trustee Trustee or director | 2 | $0 | $0 |
| George Edwards | Director Trustee or director | 2 | $0 | $0 |
| Detra Johnson | Director Trustee or director | 2 | $0 | $0 |
| Todd Reppert | Director Trustee or director | 2 | $0 | $0 |
| Kimberly Irchirl-Carter | Director Trustee or director | 2 | $0 | $0 |
| Shannon Rives | Director Trustee or director | 2 | $0 | $0 |
| Akpevwen Onoyase | Director Trustee or director | 2 | $0 | $0 |
Address and contacts
- Address (IRS master file)
- 18540 NORTHWEST FWY, HOUSTON, TX 77065-5560
- Principal officer (990 for 2025)
- Kanika Boutte, 18540 Northwest Fwy, Houston, TX 77065
- Signed the 990
- Corey Cunningham, Chief Financial Officer
- Phone
- (832) 604-4848
- Website
- www.eccu.net
Mission
Cooperative Provider of Credit Union Financial Services
Program accomplishments
- SHARE ACCOUNTS - ENERGY CAPITAL CREDIT UNION'S SHARE ACCOUNTS OFFER ADVANTAGES TO MEMBERS OF ALL AGES. THE CREDIT UNION HAD 19,414 MEMBER-OWNER ACCOUNTS AS OF DECEMBER 31, 2025. MEMBER SAVINGS ACCOUNTS PAY DIVIDENDS MONTHLY AND OFFER ACCESS THROUGH THE SHARED BRANCH NETWORK, HOME BANKING VIA THE INTERNET, 4 BRANCH LOCATIONS AND ATMs WORLDWIDE. SPECIAL SAVINGS ACCOUNTS DESIGNED FOR CHILDREN AND TEENAGRS ENCOURGAE THE DEVELOPMENT OF CONSISTENT SAVINGS HABITS. Code: 522130Expenses $731,067 · revenue $341,747
- CHECKING ACCOUNTS- ENERGY CAPITAL CREDIT UNION PROVIDES CHECKING ACCOUNTS FOR CONSUMERS WITH VARIOUS FEATURES FROM FREE ACCOUNTS TO THOSE WITH ENHANCED BENEFITS. MOST OFFER DIVIDENDS THAT ARE PAID MONTHLY. ADDITIONALLY, THE CREDIT UNION EXTENDS THE REACH OF THESE ACCOUNTS TO ALL MEMBERS WITH FREE DEBIT CARDS, INTERNET ACCOUNT ACCESS AND FREE USE OF THE INTERNET BILL PAY BROGRAM. 50% OF THE CREDIT UNION'S MEMBERS HAVE A CHECKING ACCOUNT. Code: 522130Expenses $803,839 · revenue $760,102
- CONSUMER LOANS - ENERGY CAPITAL CREDIT UNION HAS PROVIDED VEHICLE LOANS SINCE ITS FIRST YEAR OF OPERATIONS. THE CONSUMBER LOAN PRODUCT LINE NOW INCLUDES EFFICIENT UNDERWRITING AND FLEXIBLE OFFERINGS FOR AUTO, SIGNATURE LOANS, CREDIT CARDS, RECREATIONAL VEHICLES, BOATS, MOTORCYCLES, HOME EQUITY AND MORTGAGE LOANS. CONSUMER DEBT PROTECTION INSURANCE IS AVAILABLE ON MAY OF THESE LOAN TYPES. Code:522130Expenses $1,417,740 · revenue $12,180,080
- GENERAL OVERHEAD FOR OPERATIONS OF THE CREDIT UNION, SEE SCHEDULE O STATEMENT 1Expenses $11,764,129 · revenue $1,147,639
What it must file and when
IRS records say it files Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N. Its accounting year ends in December, so each return is due on the 15th day of the 5th month after that.
| Tax year | Year ended | Due | IRS public records |
|---|---|---|---|
| 2025 | December 31, 2025 | May 15, 2026 | 990 on file |
| 2024 | December 31, 2024 | May 15, 2025 | 990 on file |
| 2023 | December 31, 2023 | May 15, 2024 | 990 on file |
IRS record
- EIN
- 74-1110016
- Tax-exempt status
- 501(c)(14): State-chartered credit union
- Donations deductible
- No
- Exempt since
- 1976
- Accounting year ends
- December
- Files
- Form 990 or 990-EZ
- Group exemption
- 2742: CREDIT UNION DEPARTMENT OF THE STATE OF TEXAS
- Assets (IRS master file)
- $261,546,233
- Income (IRS master file)
- $15,703,673
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | December 2025 | $15,703,673 | $14,716,777 | $261,546,233 | IRS |
| 990 | December 2024 | $14,992,581 | $14,712,419 | $253,053,367 | IRS |
| 990 | December 2023 | $14,126,270 | $14,000,336 | $257,823,663 | XML |
| 990 | December 2022 | $11,699,224 | $10,505,584 | $275,309,619 | IRS |
| 990 | December 2021 | – | – | – | IRS |
| 990 | December 2020 | – | – | – | IRS |
| 990 | December 2019 | – | – | – | IRS |
| 990 | December 2018 | – | – | – | IRS |
990-N: the IRS bulk file holds only the latest e-Postcard per organization; earlier years come from archived copies of that file since 2020 and can have gaps (the IRS e-Postcard search lists every one). 990, 990-EZ, 990-PF, 990-T: every e-filed return in the IRS e-file index since 2019; XML for the latest three processing years, amounts from the IRS Statistics of Income extracts before that. PDF copies and determination letters at the IRS (search EIN 74-1110016).
Questions about ENERGY CAPITAL CREDIT UNION
- What is the EIN of ENERGY CAPITAL CREDIT UNION?
- The employer identification number (EIN) of ENERGY CAPITAL CREDIT UNION is 74-1110016.
- Is ENERGY CAPITAL CREDIT UNION tax-exempt?
- Yes. The IRS lists it as tax-exempt under section 501(c)(14) since 1976.
- Are donations to ENERGY CAPITAL CREDIT UNION tax-deductible?
- No. The IRS master file says contributions to it are not deductible.
- Which annual return does ENERGY CAPITAL CREDIT UNION file?
- Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N.
- When is the next return of ENERGY CAPITAL CREDIT UNION due?
- The return for tax year 2026 (the year ending December 31, 2026) is due May 17, 2027. Form 8868 extends it by six months; the 990-N cannot be extended.
- When did ENERGY CAPITAL CREDIT UNION last file with the IRS?
- The latest return in the IRS public files is the 990 for the year ended December 2025.
- Who is the principal officer of ENERGY CAPITAL CREDIT UNION?
- The 990 for the year ended December 31, 2025 names Kanika Boutte.
- Who are the officers and directors of ENERGY CAPITAL CREDIT UNION?
- The 990 for the year ended December 31, 2025 lists 13 people; 5 received compensation from the organization, the highest $299,587 (Kanika Boutte, Chief Executive Officer).
- How much revenue does ENERGY CAPITAL CREDIT UNION have?
- On its 990 for the year ended December 31, 2025 it reported revenue of $15,703,673, expenses of $14,716,777 and total assets of $261,546,233 at year end.
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