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
Call Report peers
United Energy in the assets neighbourhood
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United Energy vs every NCUA-scored credit union
United Energy sits in the busiest band, 85-89, alongside 857 other credit unions.
86 Top 43% higher than 57% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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.
- One place up in Texas, Anderson County (#161) ties at 86/100; one place down, Refugio County (#163) ties at 86/100.
United Energy: 2025Q4 → 2026Q1
United Energy: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +6.5% from $28.4M (2025Q4) to $30.3M (2026Q1).
- Net-worth ratio shifted -0.98 pp (17.19% → 16.21%).
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
United Energy gives up 14 points in total. Return on Assets costs the most, 5.4 of its 15; Net Worth Ratio and Delinquency Rate score full marks.
- 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is United Energy financially healthy?
On its 2025Q4 NCUA 5300 filing, United Energy scores 86/100 (Excellent), with a 16.21% net worth ratio and 0.48% of loans delinquent. It ranks #1,770 of 4,374 nationally on health and #162 of 386 in Texas.
How does United Energy compare to other credit unions?
United Energy scores 86/100, higher than 57% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (96.90% vs 59.80%). Its widest shortfall is return on assets (0.14% vs 0.70%).
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?
United Energy is a state-chartered 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. United Energy's net worth ratio of 16.21% 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.