State credit union · Humble, Texas · NCUA charter #67493
United Energy
Health score 86/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 86
- Health / 100
- $28.4M
- Total assets
- 3,371
- Members
- 16.2%
- Net-worth ratio
United Energy scores 86/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $28.4M; members 3,371; net-worth ratio 16.21%; health rank #1,770 of 4,374; healthier than 57th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#1,770 of 4,374 health · 2025Q4United Energy · health 86/100 · $28.4M · 2025Q4
- MEM 86/100
- RANK 16.2%
- PHOTO 0.48%
- BOOK 0.14%
- CHARTER $28.4M
- NCUSIF 3,371
- CAMELS #1,770/4,374
- HEALTH Casebine Community
- NW 67493
Call Report peers
United Energy in the assets neighbourhood
United Energy's $28.4M assets sit next to Casebine Community ($28.4M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
United Energy vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
86 Top 43% higher than 57% 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
United Energy - Share Insurance Coverage
Charter #67493's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
United Energy vs $10M–$50M peers
- Strongest edge vs 1163 $10M–$50M peers is Loan-to-Share Ratio: +37.10 pp (96.90% vs 59.80%).
- Return on Assets trails the peer set - 0.14% here, 0.70% peer average (-0.56 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
United Energy: in-state Call Report ranks
- In Texas, health place is #162 of 386 on the same NCUA-ratio sort used nationally.
- By total assets, United Energy is #228 of 386 in Texas.
- Member book place in Texas: #204 of 386.
In-state ordinals use the live credit_unions table for TX only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
United Energy: 2025Q4 → 2026Q1
United Energy: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +6.5% from $28.4M (2025Q4) to $30.3M (2026Q1).
- Net-worth ratio shifted -0.98 pp (17.19% → 16.21%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 16.21%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 86/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 86.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 9.6 pts
- Member Growth 9.9 pts
- Loan-to-Share Ratio 11.5 pts
United Energy health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 16.21% | +1.35 pp |
| Delinquency Rate | 0.48% | -0.66 pp |
| Return on Assets | 0.14% | -0.56 pp |
| Member Growth | 0.72% | - |
| Loan-to-Share Ratio | 96.90% | +37.10 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
United Energy quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $30.3M | - |
| 2025Q4 | $28.4M | 3,371 |
| 2024Q4 | $27.5M | 3,347 |
| 2023Q4 | $28.9M | 3,342 |
Credit Union Details
- Charter Number
- 67493
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Texas
- City
- Humble
- Data Quarter
- 2025Q4
Branch Locations (3)
Per its most recent NCUA branch filing, United Energy runs 3 offices in 3 different cities.
| Office | City |
|---|---|
| United Energy Credit Union (Main Office) | Humble, TX |
| Veritrust | Houston, TX |
| Branch Office | HOUSTON, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
Other federally-insured credit unions in Texas, closest first by peer group and asset size.
United Energy nationwide neighbourhoods
United Energy's nationwide photo peers by assets and by health score, excluding Texas charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($28.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (86/100 here).
Using this data
- United Energy ranks #1,770 of 4,374 nationally on financial health and #162 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Tyler City Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Tyler City Employees
- Rates and health both vary by institution, not just by state -- see how Texas credit unions compare overall before assuming this one is typical. Texas state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is United Energy financially healthy?
A 16.21% net worth ratio and a 0.48% delinquency rate feed into United Energy's financial health score of 86/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,770 of 4,374; by total assets it ranks #2,889 of 4,374 nationally (same basis as /rankings/largest); and #228 of 386 within Texas. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does United Energy compare to other credit unions?
Five weighted metrics from NCUA filings produce United Energy's 86/100 score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 United Energy?
Membership eligibility for United Energy depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact United Energy directly for current membership requirements and application steps.
Is my money safe at United Energy?
Federal credit unions like United Energy 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. United Energy's net worth ratio of 16.21% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does United Energy offer compared to banks?
Credit unions like United Energy 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 United Energy directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
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.