Port of Houston

Houston, TX · 2 · Charter #60782 · www.pohcu.com
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$7.9M
35th percentile
Members
857
32th percentile
Total loans
$5.5M
47th percentile
Total shares
$5.2M
32th percentile

Profitability

Return on assets
1.57%
81th percentile
Net interest margin
6.78%
98th percentile
Efficiency ratio
71.77%
39th percentile
Non-interest income ratio
10.77%
55th percentile

Capital & Risk

Net worth ratio
32.34%
94th percentile
Delinquency rate
0.19%
72th percentile
Net charge-off rate
0.44%
36th percentile
Loan-to-share
103.97%
95th percentile

Growth

Member growth YoY
-1.04%
54th percentile
Asset growth YoY
-9.27%
7th percentile
Loan growth YoY
-0.75%
59th percentile
Share growth YoY
-14.00%
4th percentile

Operations

Members / branch
857
40th percentile
Assets / member
$9,193
50th percentile
Field of membership penetration
85.70%
94th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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