TellerScore

United Energy Credit Union is a federally insured state-chartered credit union headquartered in Humble, Texas, in business for about 92 years. At the end of Q2 2026 it reported $30.0M in total assets and $24.6M in member shares and deposits, with 3 offices.

United Energy Credit Union has a TellerScore of 77 out of 100 (strong) based on Q2 2026 data — higher than 57% of its 2,479 credit unions with under $100 million in assets. Among 380 credit unions headquartered in Texas, it ranks 149th. Capital cushion contributes the most (100/100, 16.46%); earnings contributes the least (32/100, 0.30%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 16.46%
Loan quality82/100
Loans 60+ days delinquent ÷ total loans: 0.55%
Earnings32/100
Return on assets (annualized): 0.30%
Funding & liquidity68/100
Loans ÷ shares: 87.5% · 19.1% uninsured
Problem-loan coverage95/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.38%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 11 points (66 → 77), mostly because the earnings component improved by 31 points.

TellerScore
667277Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202473
Q3 202472
Q4 202475
Q1 202571
Q2 202566
Q3 202569
Q4 202573
Q1 202676
Q2 202677
Net worth ratio
7.00%12.46%17.93%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202416.77%
Q3 202416.89%
Q4 202417.93%
Q1 202517.16%
Q2 202517.74%
Q3 202517.27%
Q4 202517.19%
Q1 202616.21%
Q2 202616.46%
Delinquent loans (60+ days)
0.48%0.76%1.04%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.94%
Q3 20241.04%
Q4 20240.62%
Q1 20250.63%
Q2 20250.88%
Q3 20250.58%
Q4 20250.48%
Q1 20260.59%
Q2 20260.55%
Return on assets
-0.50%-0.10%0.30%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.16%
Q3 20240.17%
Q4 20240.15%
Q1 2025-0.41%
Q2 2025-0.47%
Q3 2025-0.50%
Q4 2025-0.09%
Q1 20260.24%
Q2 20260.30%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202677$30.0M16.46%0.55%0.30%87.5%
Q1 202676$30.3M16.21%0.59%0.24%86.6%
Q4 202573$28.4M17.19%0.48%-0.09%96.9%
Q3 202569$27.9M17.27%0.58%-0.50%98.9%
Q2 202566$27.4M17.74%0.88%-0.47%99.3%
Q1 202571$28.6M17.16%0.63%-0.41%88.1%
Q4 202475$27.5M17.93%0.62%0.15%93.2%
Q3 202472$29.3M16.89%1.04%0.17%86.5%
Q2 202473$29.4M16.77%0.94%0.16%86.4%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio16.46%
62nd
Problem loans0.55%
56th
Net charge-offs0.33%
36th
Return on assets0.30%
32nd
Loans to deposits87.5%
11th
Uninsured deposits19.1%
2nd
Loan-loss reserves0.00%
37th
Texas ratio2.4%
48th

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Texas Community Federal Credit UnionCredit union Kingsville, TX79 out of 100, Strong$30.1M14.7%1.29%vs
Alcon Employees Federal Credit UnionCredit union Fort Worth, TX78 out of 100, Strong$29.9M21.7%0.07%vs
Valwood Park Federal Credit UnionCredit union Carrollton, TX67 out of 100, Moderate$29.7M10.1%0.41%vs
United Credit UnionCredit union Tyler, TX58 out of 100, Moderate$29.6M7.1%0.64%vs
Texas Associations of Professionals Federal Credit UnionCredit union San Antonio, TX93 out of 100, Very strong$29.6M15.7%0.08%vs
U. S. I. Federal Credit UnionCredit union Deer Park, TX67 out of 100, Moderate$29.4M18.0%1.31%vs

Deposit insurance

Is my money safe at United Energy Credit Union?

Yes. United Energy Credit Union is a federally insured credit union (NCUA charter #67493). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 19.1% of shares and deposits ($4.7M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 16.46%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

United Energy Credit Union lists 3 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
United Energy Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
67493
RSSD ID
723390
Primary regulator
State + NCUA
Established
1934
Headquarters
8790 F.M. 1960 Bypass W. Ste 500A, Humble, TX 77338
Employees
11

Quick answers

United Energy Credit Union: common questions

Is United Energy Credit Union NCUA insured?

Yes. United Energy Credit Union is a federally insured credit union (NCUA charter #67493). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is United Energy Credit Union's TellerScore?

77 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does United Energy Credit Union have?

3 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Humble

InstitutionScoreAssetsCapitalProblem loansCompare
Port of Houston Warehouse Federal Credit UnionCredit union Houston, TX96 out of 100, Very strong$5.4M21.6%0.52%vs
Corpus Christi Postal Employees Credit UnionCredit union Corpus Christi, TX96 out of 100, Very strong$17.1M20.3%0.00%vs
Light Commerce Credit UnionCredit union Houston, TX92 out of 100, Very strong$5.0M26.8%0.93%vs
F a a Federal Credit UnionCredit union Cordova, TN91 out of 100, Very strong$131.1M18.6%0.87%vs
Kbr Heritage Federal Credit UnionCredit union Houston, TX90 out of 100, Very strong$76.4M22.6%0.39%vs
Austin Bank, Texas National AssociationBank Jacksonville, TX88 out of 100, Very strong$3.3B15.1%0.60%vs