BlastPoint's Credit Union Scorecard
PORT OF HOUSTON WAREHOUSE
Charter #21029 · TX
PORT OF HOUSTON WAREHOUSE has 3 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.07% above tier average
- + Net Interest Margin 1.38% above tier average
- + Net Charge-Off Rate: Top 5.9% in tier
Key Concerns
Areas that may need attention
- - Total Members: Bottom 6.8% in tier
- - Loan Growth Rate: Bottom 8.5% in tier
- - Members Per Employee (MPE): Bottom 8.5% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 239 that size in Texas.
- Shares and deposits +0.3% year over year ($4.2M in shares and deposits).
- Membership: 262 members, -1.9% vs a year ago.
- Delinquency rate 0.52%.
- Return on assets 2.56%.
- Efficiency ratio 59.60% vs a 88.77% peer average.
- Loan-to-share ratio 49.51% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
262
-1.9% YoY+0.4% QoQ
|
-2.3K |
2,585
-1.7% YoY
|
27,284
+2.5% YoY
|
34,678
+6.6% YoY
|
Bottom 6.7% in tier |
| Assets |
$5.4M
-0.5% YoY-2.2% QoQ
|
$-24.9M |
$30.3M
+1.5% YoY
|
$429.8M
+5.9% YoY
|
$593.1M
+10.2% YoY
|
20% |
| Loans |
$2.1M
-18.0% YoY-4.7% QoQ
|
$-13.4M |
$15.5M
-1.7% YoY
|
$305.6M
+4.5% YoY
|
$418.6M
+10.1% YoY
|
18% |
| Deposits |
$4.2M
+0.3% YoY-4.1% QoQ
|
$-21.6M |
$25.8M
+1.1% YoY
|
$357.0M
+5.3% YoY
|
$504.8M
+10.3% YoY
|
19% |
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| ROA |
2.6%
-19.7% YoY-20.5% QoQ
|
+1.1% |
1.5%
+241.5% YoY
|
1.4%
-298.3% YoY
|
1.2%
+121.4% YoY
|
Top 5.4% in tier |
| NIM |
5.3%
-8.4% YoY-7.0% QoQ
|
+1.4% |
3.9%
+0.9% YoY
|
3.9%
+2.6% YoY
|
3.8%
+2.3% YoY
|
Top 8.0% in tier |
| Efficiency Ratio |
59.6%
+16.0% YoY+9.0% QoQ
|
-29.2% |
88.8%
-6.9% YoY
|
89.3%
-7.8% YoY
|
83.0%
-5.3% YoY
|
Top 11.2% in tier |
| Delinquency Rate |
0.5%
+32.6% YoY+16.1% QoQ
|
-1.0 |
1.5%
+2.1% YoY
|
1.3%
+10.3% YoY
|
1.3%
+2.6% YoY
|
42% |
| Loan To Share |
49.5%
-18.2% YoY-0.6% QoQ
|
-9.4% |
58.9%
-3.1% YoY
|
70.0%
-2.3% YoY
|
66.4%
-1.4% YoY
|
35% |
| AMR |
$23,799
-4.8% YoY-4.7% QoQ
|
+$9K |
$14,963
-6.8% YoY
|
$17,919
+2.5% YoY
|
$20,028
-0.9% YoY
|
Top 10.8% in tier |
| CD Concentration | 0.0% | -24.6% | 24.6% | 21.6% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 6.9% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)