BlastPoint's Credit Union Scorecard
PORT OF HOUSTON
Charter #60782 · TX
PORT OF HOUSTON has 3 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 2.46% above tier average
- + Loan-to-Share Ratio: Top 1.6% in tier
- + Net Worth Ratio: Top 4.5% in tier
Key Concerns
Areas that may need attention
- - ROA 0.30% below tier average
- - Delinquency rate 4.00% above tier average
- - Deposit Growth Rate: Bottom 3.0% in tier
- - Asset Growth Rate: Bottom 5.5% in tier
- - Total Delinquency Rate (60+ days): Bottom 5.7% in tier
- - AMR Growth Rate: Bottom 7.3% 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 -15.9% year over year ($5.0M in shares and deposits).
- Membership: 870 members, +1.2% vs a year ago.
- Delinquency rate 5.55%.
- Return on assets 1.19%.
- Efficiency ratio 85.00% vs a 88.77% peer average.
- Loan-to-share ratio 108.03% 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 |
870
+1.2% YoY+0.5% QoQ
|
-1.7K |
2,585
-1.7% YoY
|
27,284
+2.5% YoY
|
34,678
+6.6% YoY
|
25% |
| Assets |
$7.9M
-9.7% YoY+0.4% QoQ
|
$-22.4M |
$30.3M
+1.5% YoY
|
$429.8M
+5.9% YoY
|
$593.1M
+10.2% YoY
|
27% |
| Loans |
$5.4M
-1.5% YoY+0.9% QoQ
|
$-10.0M |
$15.5M
-1.7% YoY
|
$305.6M
+4.5% YoY
|
$418.6M
+10.1% YoY
|
36% |
| Deposits |
$5.0M
-15.9% YoY-3.1% QoQ
|
$-20.8M |
$25.8M
+1.1% YoY
|
$357.0M
+5.3% YoY
|
$504.8M
+10.3% YoY
|
23% |
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| ROA |
1.2%
-27.5% YoY-22.6% QoQ
|
-0.3% |
1.5%
+241.5% YoY
|
1.4%
-298.3% YoY
|
1.2%
+121.4% YoY
|
69% |
| NIM |
6.4%
+3.3% YoY-1.3% QoQ
|
+2.5% |
3.9%
+0.9% YoY
|
3.9%
+2.6% YoY
|
3.8%
+2.3% YoY
|
Top 2.1% in tier |
| Efficiency Ratio |
85.0%
+15.2% YoY+7.4% QoQ
|
-3.8% |
88.8%
-6.9% YoY
|
89.3%
-7.8% YoY
|
83.0%
-5.3% YoY
|
61% |
| Delinquency Rate |
5.6%
+192.7% YoY+145.9% QoQ
|
+4.0 |
1.5%
+2.1% YoY
|
1.3%
+10.3% YoY
|
1.3%
+2.6% YoY
|
Bottom 5.7% in tier |
| Loan To Share |
108.0%
+17.1% YoY+4.1% QoQ
|
+49.1% |
58.9%
-3.1% YoY
|
70.0%
-2.3% YoY
|
66.4%
-1.4% YoY
|
Top 1.7% in tier |
| AMR |
$12,056
-10.1% YoY-1.5% QoQ
|
$-3K |
$14,963
-6.8% YoY
|
$17,919
+2.5% YoY
|
$20,028
-0.9% YoY
|
39% |
| CD Concentration |
8.8%
-40.4% YoY-30.8% QoQ
|
-15.7% | 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)