PORT OF HOUSTON
Charter #60782 · Houston, TX · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 32.85% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.53% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 6.43% ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 2.26% sits at the 77th percentile of structural peers — worth a closer look.
- Net charge-off ratio of -0.29% ranks in the 11th 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 | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $7.85M | 85th pct | 61th pct |
| Members | 866 | 75th pct | 59th pct |
| Net worth ratio | 32.85% | 89th pct | 79th pct |
| Return on average assets | 1.53% | 84th pct | 80th pct |
| Net interest margin | 6.43% | 94th pct | 85th pct |
| Cost of funds | 0.53% | 52th pct | 43th pct |
| Loan-to-share | 103.75% | 95th pct | 75th pct |
| Delinquency 60+ days | 2.26% | 71th pct | 77th pct |
| Net charge-off ratio | -0.29% | 9th pct | 11th pct |
| Loan growth YoY | -3.24% | 59th pct | 46th pct |
| Share growth YoY | -9.30% | 8th pct | 7th pct |
| Efficiency ratio | 79.16% | 38th pct | 46th pct |
structural peer set hash: 41bcbb2999835046bb433e5829552948… (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.