Federal credit union · Houston, Texas · NCUA charter #21029
Port of Houston Warehouse
Health score 96/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 96
- Health / 100
- $5.6M
- Total assets
- 278
- Members
- 20.6%
- Net-worth ratio
Port of Houston Warehouse scores 96/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $5.6M; members 278; net-worth ratio 20.60%; health rank #217 of 4,374; healthier than 93rd of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#217 of 4,374 health · 2025Q4Port of Houston Warehouse · health 96/100 · $5.6M · 2025Q4
- RANK 96/100
- PHOTO 20.6%
- BOOK 0.26%
- CHARTER 3.03%
- NCUSIF $5.6M
- CAMELS 278
- HEALTH #217/4,374
- NW n/a
- DELQ 21029
Call Report peers
Port of Houston Warehouse carries $5.6M 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 Warehouse 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
96 Top 7% higher than 93% 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 Warehouse - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #21029 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 Warehouse diverges from peer averages
- Strongest edge vs 566 $2M–$10M peers is Return on Assets: +2.58 pp (3.03% vs 0.45%).
- Largest lag: Loan-to-Share Ratio at 53.66% vs peer 63.60% (-9.94 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 Warehouse
- Texas health ordinal: #19 of 386.
- Texas assets place: #337 of 386.
- Membership ranks #379 of 386 among Texas CUs with a reported count (278 members).
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 Warehouse: 2025Q4 → 2026Q1
Port of Houston Warehouse: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -1.8% from $5.6M (2025Q4) to $5.5M (2026Q1).
- Net-worth ratio shifted +1.16 pp (19.44% → 20.60%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
20.60% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 96/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 96.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 11.0 pts
Call Report ratios for Port of Houston Warehouse
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 20.60% | +1.54 pp |
| Delinquency Rate | 0.26% | -1.55 pp |
| Return on Assets | 3.03% | +2.58 pp |
| Member Growth | 6.51% | - |
| Loan-to-Share Ratio | 53.66% | -9.94 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 Warehouse
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $5.5M | - |
| 2025Q4 | $5.6M | 278 |
| 2024Q4 | $5.0M | 261 |
| 2023Q4 | $5.0M | 246 |
Credit Union Details
- Charter Number
- 21029
- Type
- Federal
- Field of Membership
- Other/Community
- Peer Group
- $2M–$10M
- State
- Texas
- City
- Houston
- Data Quarter
- 2025Q4
Branch Locations (3)
Per its most recent NCUA branch filing, Port of Houston Warehouse runs 3 offices in 2 different cities.
| Office | City |
|---|---|
| Port of Houston Warehouse FCU (Main Office) | Houston, TX |
| Our Mother of Mercy FCU | Houston, TX |
| Victoria City-County Emp FCU | Victoria, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
Other federally-insured credit unions in Texas, closest first by peer group and asset size.
Nationwide credit unions with similar profiles
Cross-state asset and health neighbours for Port of Houston Warehouse - kept outside Texas; in-state CUs stay in the Nearby block.
Similar health score
Nearest other-state credit unions by five-factor health composite (96/100 here).
Using this data
- Port of Houston Warehouse ranks #217 of 4,374 nationally on financial health and #19 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- COBURN is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with COBURN
- 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 Warehouse financially healthy?
A 20.60% net worth ratio and a 0.26% delinquency rate feed into Port of Houston Warehouse's financial health score of 96/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #217 of 4,374; by total assets it ranks #3,828 of 4,374 nationally (same basis as /rankings/largest); and #337 of 386 within Texas. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Port of Houston Warehouse compare to other credit unions?
On PlainCU's health composite, Port of Houston Warehouse lands at 96/100, compared to a peer group average for $2M–$10M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (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 Warehouse?
Port of Houston Warehouse operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Port of Houston Warehouse directly for the exact boundaries and application steps.
Is my money safe at Port of Houston Warehouse?
Federal credit unions like Port of Houston Warehouse 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 Warehouse's net worth ratio of 20.60% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Port of Houston Warehouse offer compared to banks?
Credit unions like Port of Houston Warehouse 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 Warehouse 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.