There are two primary issues at play when you're trying to evaluate the efficiency of your home as built.
1. The 'fly-wheel effect' in the cooling industry is a term used to explain that it takes time for a home to both heat up and then to cool down when outdoor temperatures change. For example, in morning, the sun is low in the sky for the first part of the day but is adding Btu's to the outside shell of the home. As the day wears on and outdoor temperatures increase, the sun rises in the sky, the outdoor temps go higher and again, all that is being pushed into the exterior of your home. But you have insulation to slow the effect of those influences and so it's about 3:00 pm before they fully affect the interior. So your cooling system can 'loaf' along in the early morning, gradually increasing run minutes per hour until sometime in mid to late afternoon when the heat gain is highest. Now that your house exterior walls are fully heated, they'll continue to radiate that heat into the home until early evening. As the sun and outdoor temperature both recede, the walls and insulation of your home are still loaded with heat and will continue to raise the temperature for a few more hours, requiring operation of the cooling system well into the evening.
2. The second issue at play is the very insulation you put into the home. The assumption is that the heating and cooling equipment is smaller than would be needed had you not taken pains to make the house efficient. That means the cost to operate the equipment is also lower. But here's the important point. The insulation can only SLOW the transfer of heat from warmer to cooler. Heat always flows from warm to cold but the tighter the home, the slower that heat transfers back to the outdoors when the outdoor temperature is lower than the indoor temperature. In an ideal world, you've have high insulation values when the outdoor temperature is higher than indoors and low insulation values when the indoor temperature is higher but then only in the summer. In winter, you'd want the opposite. You want the insulation to keep the heat indoors. So in effect, the insulation works for you in one situation and against you in the other. Once the house is all warmed up, the insulation is just doing what you wanted it to do, that is, keeping the heat in!
If YOU want change, YOU have to first change.
If you are waiting for the 'other guy' to change first, just remember, you're the 'other guy's' other guy. To continue to expect real change when you keep acting the same way as always, is folly. Won't happen. Real change will only happen when a majority of the people change the way they vote!