State credit union · Houston, Texas · NCUA charter #60782
Port of Houston
Health score 86/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 86
- Health / 100
- $7.9M
- Total assets
- 857
- Members
- 32.3%
- Net-worth ratio
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.
Port of Houston - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth48
- Liquidity (loan-to-share)60
Weighted composite: 86/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
32.34% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 32.34% | 30% |
| Delinquency Rate | 0.19% | 25% |
| Return on Assets | 2.12% | 15% |
| Member Growth | -1.04% | 15% |
| Loan-to-Share Ratio | 103.97% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Port of Houston
Port of Houston is a state credit union headquartered in Houston, Texas, serving 857 members with $7.9M in total assets and $5.5M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 86/100 (Excellent), anchored by a net worth ratio of 32.34% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #60782 operates under peer group $2M–$10M, a cohort of 566 similarly-sized institutions.
0.19% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running tighter than peers. Deposit deployment is captured by the 103.97% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 2.12% on net income of $167K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -1.04%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Other) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in Texas
More federally-insured credit unions based in Texas, ordered by peer group match and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
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. Above 80 reads excellent, below 50 warrants closer monitoring; a 32.34% 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 32.34% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.