PORT TERMINAL
Charter #14512 · Houston, TX · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 651 sits at the 23rd percentile of structural peers — worth a closer look.
- Net worth ratio of 34.51% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Return on average assets of -0.34% sits at the 15th percentile of structural peers — worth a closer look.
- Net interest margin of 3.55% sits at the 23rd percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.00% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | PORT TERMINAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $9.21M | 95th pct | 57th pct |
| Members | 651 | 56th pct | 23th pct |
| Net worth ratio | 34.51% | 90th pct | 82th pct |
| Return on average assets | -0.34% | 25th pct | 15th pct |
| Net interest margin | 3.55% | 35th pct | 23th pct |
| Cost of funds | 1.13% | 70th pct | 56th pct |
| Loan-to-share | 89.38% | 86th pct | 74th pct |
| Delinquency 60+ days | 0.75% | 48th pct | 52th pct |
| Net charge-off ratio | 0.00% | 22th pct | 23th pct |
| Loan growth YoY | 6.29% | 90th pct | 92th pct |
| Share growth YoY | 35.89% | 99th pct | 98th pct |
| Efficiency ratio | 107.24% | 79th pct | 92th pct |
structural peer set hash: bb0d815388f812dbc94143d4138a761a… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.