Federal credit union · Houston, Texas · NCUA charter #14512
Port Terminal
Health score 63/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 63
- Health / 100
- $8.0M
- Total assets
- 643
- Members
- 34.5%
- Net-worth ratio
Port Terminal scores 63/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $8.0M; members 643; net-worth ratio 34.51%; health rank #3,932 of 4,374; healthier than 9th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#3,932 of 4,374 health · 2025Q4Port Terminal · health 63/100 · $8.0M · 2025Q4
Call Report peers
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Port Terminal vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Port Terminal sits in 60-64 with 179 others.
63 9th percentile higher than 9% 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 Terminal vs $2M–$10M peers
- Loan-to-Share Ratio leads the peer set - 107.81% here, 63.60% peer average (+44.21 pp).
- Delinquency Rate trails the peer set - 4.49% here, 1.81% peer average (+2.68 pp).
Texas standing for Port Terminal
- Texas health ordinal: #345 of 386.
- Assets rank #319 of 386 inside Texas ($8.0M reported).
- Member book place in Texas: #350 of 386.
- One place up in Texas, Bayou City (#344) scores 64/100, 1 point higher; one place down, Natural Resources Conservation Serv (#346) ties at 63/100.
Port Terminal Call Report trajectory
Port Terminal: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +15.6% from $8.0M (2025Q4) to $9.2M (2026Q1).
- Net-worth ratio shifted -5.25 pp (39.76% → 34.51%).
34.51% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 63/100 score is built
Port Terminal gives up 37 points in total. Delinquency Rate costs the most, 25 of its 25; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 0.0 pts
- Return on Assets 15.0 pts
- Member Growth 10.5 pts
- Loan-to-Share Ratio 7.5 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 34.51% | +15.45 pp |
| Delinquency Rate | 4.49% | +2.68 pp |
| Return on Assets | 0.90% | +0.44 pp |
| Member Growth | 1.26% | - |
| Loan-to-Share Ratio | 107.81% | +44.21 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
Port Terminal filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $9.2M | - |
| 2025Q4 | $8.0M | 643 |
| 2024Q4 | $7.5M | 635 |
| 2023Q4 | $7.7M | 635 |
Credit Union Details
- Charter Number
- 14512
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- Texas
- City
- Houston
- Data Quarter
- 2025Q4
Branch Location
Port Terminal operates a single office in Houston, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Port Terminal Federal Credit Union (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 Terminal nationwide neighbourhoods
Similar health score
Using this data
- Port Terminal ranks #3,932 of 4,374 nationally on financial health and #345 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Port of Houston is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Port of Houston
Frequently Asked Questions
Is Port Terminal financially healthy?
Port Terminal has a financial health score of 63/100 (Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,932 of 4,374 nationally on health and #345 of 386 in Texas. Its net worth ratio is 34.51% and its delinquency rate 4.49%.
How does Port Terminal compare to other credit unions?
Port Terminal scores 63/100, higher than 9% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is loan-to-share ratio (107.81% vs 63.60%). Its widest shortfall is delinquency rate (4.49% vs 1.81%).
How can I join Port Terminal?
Port Terminal 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 Terminal directly for the exact boundaries and application steps.
Is my money safe at Port Terminal?
Port Terminal 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 Terminal's net worth ratio of 34.51% 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.