Case Study: Energy Capital Credit Union achieves faster month-end reporting, precise loan profitability and stronger regulatory confidence with Visible Equity

Energy Capital Credit Union - Customer Case Study

Energy Capital Credit Union (ECCU) is a Houston-based credit union chartered in 1934 that serves ExxonMobil employees, annuitants and their families, managing roughly $225 million in assets and about 19,000 members. Before partnering with Visible Equity in 2011, ECCU’s lending team struggled with fragmented spreadsheets and lengthy month-end reporting—tasks that consumed 10–12 hours and left them without the insight needed to manage a growing indirect loan portfolio that attracted regulator scrutiny.

Implementing Visible Equity transformed ECCU’s lending operations: month-end reporting now takes about two hours, data is automatically aggregated and drillable, and staff can pinpoint profitability, delinquency drivers, and expected losses by loan type, credit tier and vintage. The clearer reporting and responsive Visible Equity support improved portfolio management, satisfied regulators (who now refer peers), and helped ECCU make targeted adjustments instead of broad rate changes.

Energy Capital Credit Union

Kanika Boutte

Chief Operations Officer