This comparison uses public regulatory filings and TFS methodology. It evaluates financial condition—not checking rates, account fees, service quality, or which institution is universally “best.”
Credit union
Houston, TX
Health score
57.9
Total assets
$261.4M
Credit union
Fort Worth, TX
Health score
48.1
Total assets
$275.9M
Answer first
ENERGY CAPITAL leads on financial health and capitalization and lending quality; UNITY ONE leads on profitability. Those category leads describe current regulatory metrics only and do not establish a universal product or service winner.
Capital and asset-quality definitions are directly comparable for this pair.
Category leaders
Financial health
ENERGY CAPITAL
Higher TFS health score
Capitalization
ENERGY CAPITAL
Higher comparable capital ratio
Profitability
UNITY ONE
Higher return on assets
Lending quality
ENERGY CAPITAL
Lower problem-loan measure
Same-source detail
Winner markers appear only where the metric definitions are comparable and both values are available.
| Metric | ENERGY CAPITAL | UNITY ONE |
|---|---|---|
| TFS health score | 57.9/100Leads | 48.1/100 |
| Total assets | $261.4M | $275.9M |
| Total deposits / shares | $229.2M | $260.0M |
| Net worth ratio | 9.59%Leads | 8.39% |
| Return on assets | -0.91% | -0.41%Leads |
| Return on equity | -9.52% | -4.85% |
ENERGY CAPITAL
4 branches
UNITY ONE
7 branches
Both institutions report branches in 1 state: TX.
ENERGY CAPITAL
Unavailable
UNITY ONE
Unavailable
Counts use an explicitly reviewed CFPB-company-to-regulatory-ID mapping and the same complete 12-month window. Parent-company attribution can include complaints involving affiliates. Lower complaint volume is context—not proof of better service or less consumer harm.
ENERGY CAPITAL
0 in TFS registry
UNITY ONE
0 in TFS registry
Institution-level actions come from TFS's exact regulatory-ID registry and are shown as factual context only. They do not affect category winners or the TFS Financial Health Grade. A zero means no action is currently published in this curated registry—not proof that none exists.
Quarterly history
| Quarter | ENERGY CAPITAL score | ENERGY CAPITAL ROA | UNITY ONE score | UNITY ONE ROA |
|---|---|---|---|---|
| 2026-Q1 | 55.7/100 | -2.17% | 48.9/100 | -0.29% |
| 2026-Q2 | 57.9/100 | -0.91% | 48.1/100 | -0.41% |
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Financial data comes from FDIC BankFind Suite or NCUA Call Reports as labeled. TFS Health Grades are an editorial assessment, not an official government rating or financial advice. Every valid pair is viewable; pairs enter search automatically only when current data, comparability, and visitor interest meet the publication rules.
| 60+ day delinquency | 0.64%Leads | 0.98% |
| Net charge-offs | 1.81% | 1.07%Leads |
| Efficiency ratio | — | — |
| Loan-to-deposit ratio | 94.24% | 62.16% |
| Asset growth (YoY) | — | — |
| Deposit / share growth (YoY) | — | — |
| Branches | 4 | 7 |
| Published CFPB complaints per $1B deposits (12 months)verified mappings only | — | — |