HOUSTON POLICE

Charter #2357 | TX

750M-1B (112 CUs) Community (281 CUs)
12 750M-1B in TX

HOUSTON POLICE has 8 strengths but faces 6 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 9.4% in tier
  • + Organic Growth Leader: Top 14.3% in tier
  • + ROA 0.32% above tier average
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + Net Worth Ratio: Top 6.2% in tier
  • + Total Assets: Top 7.1% in tier
  • + Fee Income Per Member: Top 8.0% in tier
  • + Average Member Relationship (AMR): Top 9.8% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 3.2% in tier
  • - Shrinking Wallet Share: Bottom 21.9% in tier
  • - Credit Quality Pressure: Bottom 29.2% in tier
  • - Growth-at-Risk: Bottom 29.6% in tier
  • - Loan-to-Share Ratio: Bottom 8.9% in tier
  • - Total Members: Bottom 9.8% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Members 32,077
+2.8% YoY+1.3% QoQ
 -20.0K 52,114
-2.1% YoY
 26,896
+3.7% YoY
 33,089
+6.1% YoY
 Bottom 8.9% in tier
Assets $965.1M
+3.9% YoY+0.5% QoQ
 +$106.1M $859.0M
+0.0% YoY
 $411.3M
+5.9% YoY
 $547.7M
+7.8% YoY
 Top 8.0% in tier
Loans $473.0M
+1.4% YoY+0.7% QoQ
 $-130.4M $603.4M
+1.0% YoY
 $295.8M
+5.3% YoY
 $388.7M
+8.6% YoY
 Bottom 12.5% in tier
Deposits $837.9M
+2.2% YoY-0.3% QoQ
 +$103.8M $734.2M
+0.9% YoY
 $341.5M
+6.1% YoY
 $464.6M
+9.3% YoY
 Top 12.5% in tier
ROA 1.0%
+33.3% YoY+20.3% QoQ
 +0.3% 0.7%
+27.6% YoY
 0.5%
-24.0% YoY
 0.7%
+273.4% YoY
 71st in tier
NIM 2.6%
+15.0% YoY+3.4% QoQ
 -0.8% 3.4%
+9.6% YoY
 3.9%
+4.3% YoY
 3.7%
+5.0% YoY
 Bottom 12.5% in tier
Efficiency Ratio 60.4%
-5.1% YoY-5.9% QoQ
 -14.1% 74.5%
-3.2% YoY
 79.6%
-0.9% YoY
 79.1%
-3.3% YoY
 Bottom 11.6% in tier
Delinquency Rate 0.6%
+0.7% YoY+12.3% QoQ
 -0.2 0.8%
+5.0% YoY
 1.2%
+20.3% YoY
 1.2%
-0.9% YoY
 47th in tier
Loan To Share 56.4%
-0.8% YoY+1.0% QoQ
 -26.2% 82.7%
+0.1% YoY
 71.8%
-2.5% YoY
 68.0%
-1.7% YoY
 Bottom 8.0% in tier
AMR $40,868
-0.9% YoY-1.3% QoQ
 +$12K $28,651
+2.5% YoY
 $17,515
+1.3% YoY
 $19,418
+1.3% YoY
 Top 10.7% in tier
CD Concentration 31.0%
+6.6% YoY+3.3% QoQ
 +6.6% 24.4%
+4.2% YoY
 20.9%
+7.1% YoY
 19.6%
+6.2% YoY
 74th in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 7.2%
-0.2% YoY
 7.9%
-2.9% YoY
 Bottom 0.0% in tier

Signature Analysis

Strengths (2)

Organic Growth Engine

growth
#173 of 603 • Top 9.4% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 2.81%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 1.03%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Indirect Auto %: 0.00%
(Tier: 13.96%, National: 7.90%)
better than tier avg
603 of 281 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | New qualifier

Organic Growth Leader

growth
#189 of 430 • Top 14.3% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 2.81%
(Tier: 0.88%, National: 9.37%)
better than tier avg
430 of 281 Community CUs have this signature | 608 nationally
↓ Shrinking -21 CUs YoY | New qualifier

Concerns (4)

Liquidity Overhang

risk
#51 of 552 • Bottom 3.2% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 16.58%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 56.45%
(Tier: 74.56%, National: 67.96%)
worse than tier avg
552 of 281 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY

Shrinking Wallet Share

decline
#219 of 244 • Bottom 21.9% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -0.86%
(Tier: 3.68%, National: 4.19%)
worse than tier avg
244 of 281 Community CUs have this signature | 346 nationally
↓ Shrinking -221 CUs YoY | New qualifier

Credit Quality Pressure

risk
#724 of 736 • Bottom 29.2% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.00% points
(Tier: 0.04% points, National: 0.07% points)
but better than tier avg
736 of 281 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | Rank improving

Growth-at-Risk

risk
#444 of 446 • Bottom 29.6% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 1.39%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
Delinquency Change (YoY): 0.00% points
(Tier: 0.04% points, National: 0.07% points)
but better than tier avg
446 of 281 Community CUs have this signature | 646 nationally
↓ Shrinking -77 CUs YoY | New qualifier

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)

Comparing against 112 peers in tier

Top Strengths (9 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 16.60%
#1 of 112 Top 0.0% in 750M-1B tier
8
Net Worth Ratio
risk
Value: 16.58%
Peer Avg: 11.52%
#8 of 112 Top 6.2% in 750M-1B tier
9
Total Assets
balance_sheet
Value: $965.14M
Peer Avg: $859.01M
#9 of 112 Top 7.1% in 750M-1B tier
10
Fee Income Per Member
profitability
Value: $330.77
Peer Avg: $204.75
#10 of 112 Top 8.0% in 750M-1B tier
12
Average Member Relationship (AMR)
engagement
Value: $40,868
Peer Avg: $28,651
#12 of 112 Top 9.8% in 750M-1B tier
14
Efficiency Ratio
profitability
Value: 60.41%
Peer Avg: 74.52%
#14 of 112 Top 11.6% in 750M-1B tier
14
First Mortgage Concentration (%)
balance_sheet
Value: 16.48%
Peer Avg: 33.64%
#14 of 112 Top 11.6% in 750M-1B tier
14
Total Deposits
balance_sheet
Value: $837.93M
Peer Avg: $734.17M
#14 of 112 Top 11.6% in 750M-1B tier
27
Loan-to-Member Ratio (LMR)
engagement
Value: $14,745
Peer Avg: $12,810
#27 of 112 Top 23.2% in 750M-1B tier

Top Weaknesses (6 metrics)

103
Loan-to-Share Ratio
balance_sheet
Value: 56.45%
Peer Avg: 82.66%
#103 of 112 Bottom 8.9% in 750M-1B tier
102
Total Members
engagement
Value: 32,077
Peer Avg: 52,114
#102 of 112 Bottom 9.8% in 750M-1B tier
98
Net Interest Margin (NIM)
profitability
Value: 2.62%
Peer Avg: 3.38%
#98 of 112 Bottom 13.4% in 750M-1B tier
98
AMR Growth Rate
growth
Value: -0.86%
Peer Avg: 4.90%
#98 of 112 Bottom 13.4% in 750M-1B tier
98
Total Loans
balance_sheet
Value: $472.99M
Peer Avg: $603.36M
#98 of 112 Bottom 13.4% in 750M-1B tier
90
Net Charge-Off Rate
risk
Value: 0.89%
Peer Avg: 0.61%
#90 of 112 Bottom 20.5% in 750M-1B tier