HOUSTON POLICE
Charter #2357 · Houston, TX · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 16.38% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 2.91% sits at the 13th percentile of structural peers — worth a closer look.
- Cost of funds of 1.98% sits at the 89th percentile of structural peers — worth a closer look.
- Efficiency ratio of 59.50% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 100th percentile but its structural peers at the 66th — a 34-point gap showing why the peer definition matters.
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 | HOUSTON POLICE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $999.48M | 100th pct | 66th pct |
| Members | 33,086 | 25th pct | 46th pct |
| Net worth ratio | 16.38% | 96th pct | 89th pct |
| Return on average assets | 1.05% | 75th pct | 66th pct |
| Net interest margin | 2.91% | 15th pct | 13th pct |
| Cost of funds | 1.98% | 80th pct | 89th pct |
| Loan-to-share | 54.58% | 6th pct | 21th pct |
| Delinquency 60+ days | 0.50% | 41th pct | 43th pct |
| Net charge-off ratio | 0.95% | 85th pct | 70th pct |
| Loan growth YoY | -0.11% | 37th pct | 49th pct |
| Share growth YoY | 3.31% | 40th pct | 49th pct |
| Efficiency ratio | 59.50% | 7th pct | 11th pct |
structural peer set hash: 7c274d6a7d5b9c2b063e234c6417d8cf… (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.