BlastPoint's Credit Union Scorecard
UNITED ENERGY
Charter #67493 · TX
UNITED ENERGY has 2 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.89% above tier average
- + Loan-to-Share Ratio: Top 5.6% in tier
Key Concerns
Areas that may need attention
- - ROA 0.71% below tier average
- - Efficiency ratio 12.60% above tier (higher cost structure)
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,371
+0.7% YoY+1.0% QoQ
|
+755 |
2,615
-1.9% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
72% |
| Assets |
$28.4M
+3.5% YoY+1.8% QoQ
|
$-1.7M |
$30.1M
+2.1% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
58% |
| Loans |
$22.3M
+8.4% YoY+0.2% QoQ
|
+$6.5M |
$15.8M
-1.3% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
73% |
| Deposits |
$23.0M
+4.3% YoY+2.2% QoQ
|
$-2.7M |
$25.7M
+1.4% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
56% |
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| ROA |
-0.1%
-163.1% YoY-82.1% QoQ
|
-0.7% |
0.6%
+10.8% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
Bottom 14.2% in tier |
| NIM |
4.8%
+0.6% YoY-0.9% QoQ
|
+0.9% |
4.0%
+4.0% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
82% |
| Efficiency Ratio |
95.2%
+0.9% YoY-4.5% QoQ
|
+12.6% |
82.6%
-2.3% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
83% |
| Delinquency Rate |
0.5%
-22.4% YoY-16.2% QoQ
|
-1.1 |
1.6%
-3.1% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
40% |
| Loan To Share |
96.9%
+3.9% YoY-2.0% QoQ
|
+36.3% |
60.6%
-3.1% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
Top 5.7% in tier |
| AMR |
$13,449
+5.5% YoY+0.2% QoQ
|
$-1K |
$14,783
-1.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
48% |
| CD Concentration |
19.5%
-16.7% YoY-7.5% QoQ
|
-5.0% | 24.4% | 21.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.1% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)