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.
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NCUA 5300 Call Report Masthead
#217 of 4,374 health · 2025Q4Port of Houston Warehouse · health 96/100 · $5.6M · 2025Q4
Call Report peers
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Port of Houston Warehouse vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Port of Houston Warehouse sits in 95-99 with 391 others.
96 Top 7% higher than 93% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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).
- One place up in Texas, Brownsville City Employees (#18) ties at 96/100; one place down, Texan Sky (#20) ties at 96/100.
Port of Houston Warehouse: 2025Q4 → 2026Q1
Port of Houston Warehouse: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -1.8% from $5.6M (2025Q4) to $5.5M (2026Q1).
- Net-worth ratio shifted +1.16 pp (19.44% → 20.60%).
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
Port of Houston Warehouse gives up 4 points in total. Loan-to-Share Ratio costs the most, 3.7 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets and Member Growth score full marks.
- 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 |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
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
Similar health score
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
Frequently Asked Questions
Is Port of Houston Warehouse financially healthy?
On its 2025Q4 NCUA 5300 filing, Port of Houston Warehouse scores 96/100 (Excellent), with a 20.60% net worth ratio and 0.26% of loans delinquent. It ranks #217 of 4,374 nationally on health and #19 of 386 in Texas.
How does Port of Houston Warehouse compare to other credit unions?
Port of Houston Warehouse scores 96/100, higher than 93% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is return on assets (3.03% vs 0.45%). Its widest shortfall is loan-to-share ratio (53.66% vs 63.60%).
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?
Port of Houston Warehouse is a federal 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 Warehouse's net worth ratio of 20.60% 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.