BlastPoint's Credit Union Scorecard
PORT OF HOUSTON WAREHOUSE
Charter #21029 · TX
PORT OF HOUSTON WAREHOUSE has 7 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.95% above tier average
- + Net Interest Margin 1.76% above tier average
- + Strong member growth: 6.5% YoY
- + Member Growth Rate: Top 4.7% in tier
- + Efficiency Ratio: Top 5.7% in tier
- + Asset Growth Rate: Top 7.6% in tier
- + Average Member Relationship (AMR): Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Total Members: Bottom 7.1% in tier
- - Members Per Employee (MPE): Bottom 9.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
278
+6.5% YoY+3.3% QoQ
|
-2.3K |
2,615
-1.9% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
Bottom 7.0% in tier |
| Assets |
$5.6M
+10.9% YoY+6.1% QoQ
|
$-24.5M |
$30.1M
+2.1% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
21% |
| Loans |
$2.4M
+9.8% YoY+2.0% QoQ
|
$-13.4M |
$15.8M
-1.3% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
20% |
| Deposits |
$4.4M
+7.9% YoY+5.1% QoQ
|
$-21.3M |
$25.7M
+1.4% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
21% |
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| ROA |
2.6%
-24.6% YoY-14.3% QoQ
|
+1.9% |
0.6%
+10.8% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
Top 2.6% in tier |
| NIM |
5.7%
-6.9% YoY-1.5% QoQ
|
+1.8% |
4.0%
+4.0% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
Top 5.6% in tier |
| Efficiency Ratio |
52.4%
+6.5% YoY+1.0% QoQ
|
-30.2% |
82.6%
-2.3% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
Top 5.7% in tier |
| Delinquency Rate |
0.3%
-56.0% YoY-78.6% QoQ
|
-1.3 |
1.6%
-3.1% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
30% |
| Loan To Share |
53.7%
+1.8% YoY-2.9% QoQ
|
-7.0% |
60.6%
-3.1% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
39% |
| AMR |
$24,337
+1.9% YoY+0.6% QoQ
|
+$10K |
$14,783
-1.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
Top 9.4% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 21.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.1% | 7.8% | 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)