BlastPoint's Credit Union Scorecard
PORT OF HOUSTON
Charter #60782 · TX
PORT OF HOUSTON has 5 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.39% above tier average
- + Net Interest Margin 2.44% above tier average
- + Loan-to-Share Ratio: Top 2.2% in tier
- + Net Worth Ratio: Top 4.3% in tier
- + Net Charge-Off Rate: Top 4.9% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.75% above tier average
- - Deposit Growth Rate: Bottom 3.0% in tier
- - Asset Growth Rate: Bottom 5.1% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
866
-1.6% YoY+1.1% QoQ
|
-1.8K |
2,676
+1.6% YoY
|
29,039
+7.4% YoY
|
33,913
+5.7% YoY
|
25% |
| Assets |
$7.8M
-9.4% YoY-0.4% QoQ
|
$-22.3M |
$30.2M
+1.3% YoY
|
$450.8M
+10.3% YoY
|
$578.3M
+9.0% YoY
|
27% |
| Loans |
$5.4M
-2.6% YoY-1.0% QoQ
|
$-9.9M |
$15.3M
-2.0% YoY
|
$318.1M
+8.9% YoY
|
$402.4M
+8.7% YoY
|
36% |
| Deposits |
$5.2M
-14.6% YoY-0.8% QoQ
|
$-20.6M |
$25.8M
+0.7% YoY
|
$378.7M
+10.8% YoY
|
$494.3M
+9.1% YoY
|
24% |
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| ROA |
1.5%
-21.2% YoY+2.2% QoQ
|
+1.4% |
0.1%
-77.6% YoY
|
-0.2%
-134.7% YoY
|
0.4%
-39.2% YoY
|
Top 14.1% in tier |
| NIM |
6.4%
+1.8% YoY-1.0% QoQ
|
+2.4% |
4.0%
+4.0% YoY
|
3.9%
-0.7% YoY
|
3.8%
+4.1% YoY
|
Top 2.4% in tier |
| Efficiency Ratio |
79.2%
+8.9% YoY+4.8% QoQ
|
-11.5% |
90.6%
+6.5% YoY
|
98.7%
+20.4% YoY
|
84.6%
+2.8% YoY
|
44% |
| Delinquency Rate |
2.3%
+153.1% YoY+1113.4% QoQ
|
+0.8 |
1.5%
+3.8% YoY
|
1.2%
+13.1% YoY
|
1.2%
+3.4% YoY
|
83% |
| Loan To Share |
103.8%
+14.1% YoY-0.2% QoQ
|
+45.2% |
58.5%
-3.0% YoY
|
69.5%
-2.6% YoY
|
65.6%
-1.4% YoY
|
Top 2.4% in tier |
| AMR |
$12,244
-7.4% YoY-1.9% QoQ
|
$-3K |
$14,884
-1.7% YoY
|
$17,820
+2.9% YoY
|
$19,920
+1.6% YoY
|
40% |
| CD Concentration |
12.8%
-17.8% YoY-14.3% QoQ
|
-11.5% | 24.3% | 21.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 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)