Port of Houston Warehouse

Houston, TX · 1 · Charter #21029 · www.phwfcu.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
$5.6M
28th percentile
Members
278
9th percentile
Total loans
$2.4M
26th percentile
Total shares
$4.4M
27th percentile

Profitability

Return on assets
2.85%
97th percentile
Net interest margin
5.54%
91th percentile
Efficiency ratio
51.73%
81th percentile
Non-interest income ratio
7.35%
43th percentile

Capital & Risk

Net worth ratio
19.44%
72th percentile
Delinquency rate
0.26%
67th percentile
Net charge-off rate
0.74%
23th percentile
Loan-to-share
53.66%
40th percentile

Growth

Member growth YoY
6.51%
95th percentile
Asset growth YoY
10.86%
93th percentile
Loan growth YoY
9.83%
89th percentile
Share growth YoY
7.87%
87th percentile

Operations

Members / branch
93
2th percentile
Assets / member
$20,131
96th percentile
Field of membership penetration
34.11%
48th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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