Side-by-side · Q2 2026 data
Houston Bank & Trust vs Port of Houston Warehouse Federal Credit Union
Credit union
Port of Houston Warehouse Federal Credit Union
Houston, Texas · Under $100 million in assets
Metric by metric
| Measure | Houston Bank & Trust | Port of Houston Warehouse Federal Credit Union |
|---|---|---|
| TellerScore | 73 | 96 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 100 (stronger) | 83 |
| Earnings | 0 | 100 (stronger) |
| Funding & liquidity | 50 | 100 (stronger) |
| Problem-loan coverage | 100 (stronger) | 98 |
| Peer percentile | 48th | 97th |
| Total assets | $38.5M | $5.4M |
| Deposits / shares | $2.6M | $4.2M |
| Capital ratio | 93.01% (stronger) | 21.55% |
| Problem loans | 0.00% (stronger) | 0.52% |
| Net charge-offs | 0.00% | -0.12% (stronger) |
| Return on assets | -53.11% | 2.59% (stronger) |
| Loans ÷ deposits | 23.6% (stronger) | 49.5% |
| Uninsured deposits | 79.8% | 11.9% (stronger) |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Port of Houston Warehouse Federal Credit Union has the higher TellerScore (96 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Houston Bank & Trust leads on 3 and Port of Houston Warehouse Federal Credit Union on 4. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.