UNITED ENERGY
Charter #67493 · Humble, TX · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Cost of funds of 0.10% ranks in the 3rd percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 91.22% sits at the 75th percentile of structural peers — worth a closer look.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | UNITED ENERGY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $30.29M | 62th pct | 74th pct |
| Members | 3,368 | 83th pct | 74th pct |
| Net worth ratio | 16.21% | 67th pct | 54th pct |
| Return on average assets | 0.24% | 28th pct | 31th pct |
| Net interest margin | 4.65% | 83th pct | 74th pct |
| Cost of funds | 0.10% | 7th pct | 3th pct |
| Loan-to-share | 86.62% | 91th pct | 79th pct |
| Delinquency 60+ days | 0.59% | 50th pct | 52th pct |
| Net charge-off ratio | 0.32% | 63th pct | 69th pct |
| Loan growth YoY | -3.00% | 45th pct | 33th pct |
| Share growth YoY | 10.76% | 96th pct | 97th pct |
| Efficiency ratio | 91.22% | 76th pct | 75th pct |
structural peer set hash: 24b31e1b887f7e23467e80d872685241… (reproducible)
Closest structural peers
This is the free public view
Claim UNITED ENERGY
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.