Credit union · NCUA insured
United Energy Credit Union
A $30.3M credit union headquartered in Humble, TX, with 3,368 members and 2 branches in Texas.
United Energy Credit Union Carrot Score
64
Carrot Score
Higher than 11% of U.S. banks and credit unions
#95 of 107 in Houston, TX metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About United Energy Credit Union
United Energy Credit Union is a member-owned not-for-profit cooperative headquartered in Humble, Texas.
- Headquarters
- 8790 FM 1960 Bypass Rd W Ste 500A, Humble, TX 77338-3950
- NCUA charter
- 67493
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives, works, attends school, or worships within a 10-mile radius of either branch is eligible for membership.
Employers and groups
- Active or retired CenterPoint Energy employees are eligible for membership.
- Active or retired Reliant Energy employees are eligible for membership.
Family and household
- Family members (spouse, children, brothers/sisters, aunts/uncles, nieces/nephews, cousins, parents/grandparents, grandchildren/great grandchildren) of any current members are eligible for membership.
Cost to join
- A minimum deposit of $5 into a savings account is required for membership.
Branches
2 branches in Texas
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Texas
2 branches
- United Energy Credit UnionMain office8790 FM 1960 Bypass Rd W Ste 500A, Humble, TX 77338Directions
- Branch Office1111 Louisiana St Ste B-102, Houston, TX 77002Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 16.46% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.55% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.31% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $87 | $59 | — |
- CapitalNet worth ratio16.46%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.55%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.31%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$87Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of United Energy Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.