Houston Police

Houston, TX · 1 · Charter #2357 · www.hpcu.coop
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$989.2M
99th percentile
Members
32,650
60th percentile
Total loans
$477.3M
77th percentile
Total shares
$855.5M
99th percentile

Profitability

Return on assets
1.46%
80th percentile
Net interest margin
2.63%
10th percentile
Efficiency ratio
40.44%
95th percentile
Non-interest income ratio
19.01%
50th percentile

Capital & Risk

Net worth ratio
16.28%
95th percentile
Delinquency rate
0.58%
62th percentile
Net charge-off rate
0.89%
14th percentile
Loan-to-share
55.80%
8th percentile

Growth

Member growth YoY
3.91%
83th percentile
Asset growth YoY
6.66%
63th percentile
Loan growth YoY
1.01%
33th percentile
Share growth YoY
3.69%
40th percentile

Operations

Members / branch
8,163
88th percentile
Assets / member
$30,296
96th percentile
Field of membership penetration
66.67%
97th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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