PORT OF HOUSTON WAREHOUSE
Charter #21029 · Houston, TX · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 261 sits at the 8th percentile of structural peers — worth a closer look.
- Return on average assets of 3.20% ranks in the 98th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 5.63% ranks in the 98th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.10% ranks in the 2nd percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.12% ranks in the 5th 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 OF HOUSTON WAREHOUSE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $5.50M | 65th pct | 31th pct |
| Members | 261 | 21th pct | 8th pct |
| Net worth ratio | 20.60% | 61th pct | 62th pct |
| Return on average assets | 3.20% | 96th pct | 98th pct |
| Net interest margin | 5.63% | 87th pct | 98th pct |
| Cost of funds | 0.10% | 22th pct | 2th pct |
| Loan-to-share | 49.82% | 40th pct | 33th pct |
| Delinquency 60+ days | 0.44% | 40th pct | 52th pct |
| Net charge-off ratio | -0.12% | 13th pct | 5th pct |
| Loan growth YoY | -6.48% | 42th pct | 34th pct |
| Share growth YoY | 3.78% | 75th pct | 70th pct |
| Efficiency ratio | 54.69% | 12th pct | 13th pct |
structural peer set hash: b55d73d1748d0d139770256e8e9296b5… (reproducible)
Closest structural peers
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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.