PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

United Energy

Humble, TX · Charter 67493

NCUA · 2 branches

Q2 2026

$30.0MAssets
$21.5MLoans
$24.6MShares
$4.9MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.30%, up 78 bps year over year; NIM at 4.69%.
  • Asset quality: problem loans at 0.55% of loans (-34 bps YoY).
  • Capital: net worth / assets of 16.46%, down 130 bps from a year ago.
  • Funding: loans stand at 87.46% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.30%+78 bps YoY

Net Interest Margin (quarter, annualized)

4.69%-20 bps YoY

Efficiency Ratio (quarter, annualized)

90.91%-794 bps YoY

Net Worth / Assets

16.46%-130 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.47%-0.50%-0.09%0.24%0.30%+78 bps
Return on Equity-2.67%-2.88%-0.52%1.46%1.84%+451 bps
Net Interest Margin4.88%4.84%4.80%4.51%4.69%-20 bps
Efficiency Ratio98.84%99.63%95.16%91.22%90.91%-794 bps
Growth
Asset Growth (YoY)-6.70%-4.51%3.45%6.07%9.39%+1,609 bps
Loan Growth (YoY)6.58%8.37%8.39%6.26%-1.31%-789 bps
Share Growth (YoY)-7.22%-5.20%4.30%8.03%12.02%+1,924 bps
Asset Quality
Delinquent Loans / Loans0.88%0.58%0.48%0.59%0.55%-34 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital17.76%17.28%17.19%16.21%16.46%-130 bps
Net Worth / Assets17.76%17.28%17.19%16.21%16.46%-130 bps
Liquidity & Funding
Loans / Shares99.27%98.91%96.90%86.62%87.46%-1,181 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps