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
Call Report peers
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
Port of Houston sits in the busiest band, 85-89, alongside 857 other credit unions.
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
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).
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.
- One place up in Texas, MID-TEX (#154) scores 87/100, 1 point higher; one place down, Edinburg Teachers (#156) ties at 86/100.
Port of Houston Call Report trajectory
Port of Houston: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.4% from $7.9M (2025Q4) to $7.8M (2026Q1).
- Net-worth ratio shifted +0.51 pp (32.34% → 32.85%).
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
Port of Houston gives up 14 points in total. Member Growth costs the most, 7.9 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- 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 |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
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
Similar health score
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
Frequently Asked Questions
Is Port of Houston financially healthy?
On its 2025Q4 NCUA 5300 filing, Port of Houston scores 86/100 (Excellent), with a 32.85% net worth ratio and 0.19% of loans delinquent. It ranks #1,739 of 4,374 nationally on health and #155 of 386 in Texas.
How does Port of Houston compare to other credit unions?
Port of Houston scores 86/100, higher than 57% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is loan-to-share ratio (103.97% vs 63.60%).
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?
Port of Houston is a state-chartered credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.