State credit union · Houston, Texas · NCUA charter #60782
Port of Houston
Health score 86/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 86
- Health / 100
- $7.9M
- Total assets
- 857
- Members
- 32.9%
- Net-worth ratio
Port of Houston scores 86/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $7.9M; members 857; net-worth ratio 32.85%; health rank #1,739 of 4,374; healthier than 57th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#1,739 of 4,374 health · 2025Q4Port of Houston · health 86/100 · $7.9M · 2025Q4
- ASSETS 86/100
- MEM 32.9%
- RANK 0.19%
- PHOTO 2.12%
- BOOK $7.9M
- CHARTER 857
- NCUSIF #1,739/4,374
- CAMELS n/a
- HEALTH 60782
Call Report peers
Port of Houston carries $7.9M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Port of Houston vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
86 Top 43% higher than 57% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Port of Houston - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #60782 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Where Port of Houston diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 103.97% vs peer 63.60% (+40.37 pp).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Texas standing for Port of Houston
- In Texas, health place is #155 of 386 on the same NCUA-ratio sort used nationally.
- Assets rank #320 of 386 inside Texas ($7.9M reported).
- Texas membership ordinal: #329 of 386.
In-state ordinals use the live credit_unions table for TX only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Port of Houston Call Report trajectory
Port of Houston: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.4% from $7.9M (2025Q4) to $7.8M (2026Q1).
- Net-worth ratio shifted +0.51 pp (32.34% → 32.85%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
32.85% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 86/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 86.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 7.1 pts
- Loan-to-Share Ratio 8.9 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 32.85% | +13.79 pp |
| Delinquency Rate | 0.19% | -1.62 pp |
| Return on Assets | 2.12% | +1.67 pp |
| Member Growth | -1.04% | - |
| Loan-to-Share Ratio | 103.97% | +40.37 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Call Report history - Port of Houston
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $7.8M | - |
| 2025Q4 | $7.9M | 857 |
| 2024Q4 | $8.7M | 866 |
| 2023Q4 | $8.7M | 855 |
Credit Union Details
- Charter Number
- 60782
- Type
- State
- Field of Membership
- Other
- Peer Group
- $2M–$10M
- State
- Texas
- City
- Houston
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, Port of Houston runs one office.
| Office | City |
|---|---|
| Main Office (Main Office) | Houston, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
More federally-insured credit unions based in Texas, ordered by peer group match and asset size.
Port of Houston nationwide neighbourhoods
Cross-state asset and health neighbours for Port of Houston - kept outside Texas; in-state CUs stay in the Nearby block.
Similar health score
Nearest other-state credit unions by five-factor health composite (86/100 here).
Using this data
- Port of Houston ranks #1,739 of 4,374 nationally on financial health and #155 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Wharton County Teachers is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Wharton County Teachers
- Rates and health both vary by institution, not just by state -- see how Texas credit unions compare overall before assuming this one is typical. Texas state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Port of Houston financially healthy?
Yes/no aside, the number is 86/100 (Excellent) - Port of Houston's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,739 of 4,374; by total assets it ranks #3,679 of 4,374 nationally (same basis as /rankings/largest); and #320 of 386 within Texas. Above 80 reads excellent, below 50 warrants closer monitoring; a 32.85% net worth ratio and 0.19% delinquency rate are the key drivers.
How does Port of Houston compare to other credit unions?
86/100 is Port of Houston's score on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 15%.
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Port of Houston?
Membership eligibility for Port of Houston depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Port of Houston directly for current membership requirements and application steps.
Is my money safe at Port of Houston?
Federal credit unions like Port of Houston are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Port of Houston's net worth ratio of 32.85% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Port of Houston offer compared to banks?
Credit unions like Port of Houston are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Port of Houston directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.