Port Terminal

Houston, TX · 1 · Charter #14512 · www.portterminalfcu.org
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
$8.0M
35th percentile
Members
643
23th percentile
Total loans
$5.1M
45th percentile
Total shares
$4.8M
29th percentile

Profitability

Return on assets
0.58%
39th percentile
Net interest margin
4.64%
74th percentile
Efficiency ratio
83.32%
19th percentile
Non-interest income ratio
9.03%
49th percentile

Capital & Risk

Net worth ratio
39.76%
97th percentile
Delinquency rate
4.49%
8th percentile
Net charge-off rate
0.10%
62th percentile
Loan-to-share
107.81%
96th percentile

Growth

Member growth YoY
1.26%
79th percentile
Asset growth YoY
5.73%
78th percentile
Loan growth YoY
6.27%
82th percentile
Share growth YoY
6.76%
83th percentile

Operations

Members / branch
643
30th percentile
Assets / member
$12,383
73th percentile
Field of membership penetration
53.58%
70th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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