Embodiments for assessing energy usage efficiency in a fluid transfer pumping system in a cloud computing environment by a processor. A rate of temperature decay may be determined over a selected time period using a temperature signal collected by one or more non-intrusive Internet of Things (IoT) sensors located at one or more selected positions of a piping network in the fluid transfer pumping system so as to determine energy efficiency in the fluid transfer pumping system associated with a heating service, a cooling service, or combination thereof.