Federal credit union · Houston, Texas · NCUA charter #21029
Port of Houston Warehouse
Health score 96/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 96
- Health / 100
- $5.6M
- Total assets
- 278
- Members
- 19.4%
- Net-worth ratio
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.
Port of Houston Warehouse - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth100
- Liquidity (loan-to-share)75
Weighted composite: 96/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
19.44% 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 | 19.44% | 30% |
| Delinquency Rate | 0.26% | 25% |
| Return on Assets | 3.03% | 15% |
| Member Growth | 6.51% | 15% |
| Loan-to-Share Ratio | 53.66% | 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 | $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
What This Data Says About Port of Houston Warehouse
The five-factor composite scores Port of Houston Warehouse at 96/100 (Excellent), reflecting a net worth ratio of 19.44% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This federal credit union, headquartered in Houston, Texas, reports 278 members, $5.6M in total assets, and $2.4M in outstanding loans as of Q4 2025 under charter #21029 (peer group $2M–$10M, a cohort of 566 similarly-sized institutions).
0.26% 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 53.66% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 3.03% on net income of $170K 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 6.51%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Other/Community). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
Nearby Credit Unions in Texas
Other federally-insured credit unions in Texas, closest first by peer group 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 Warehouse financially healthy?
A 19.44% 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. 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 19.44% 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.
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.