Side-by-side · Q2 2026 data
Port of Houston Warehouse Federal Credit Union vs Lubrizol Employees' Credit Union
Credit union
Port of Houston Warehouse Federal Credit Union
Houston, Texas · Under $100 million in assets
Credit union
Lubrizol Employees' Credit Union
Deer Park, Texas · Under $100 million in assets
Metric by metric
| Measure | Port of Houston Warehouse Federal Credit Union | Lubrizol Employees' Credit Union |
|---|---|---|
| TellerScore | 96 (stronger) | 86 |
| Capital cushion | 100 | 100 |
| Loan quality | 83 | 85 (stronger) |
| Earnings | 100 (stronger) | 52 |
| Funding & liquidity | 100 (stronger) | 99 |
| Problem-loan coverage | 98 | 98 |
| Peer percentile | 97th | 80th |
| Total assets | $5.4M | $51.2M |
| Deposits / shares | $4.2M | $41.3M |
| Capital ratio | 21.55% (stronger) | 18.78% |
| Problem loans | 0.52% | 0.44% (stronger) |
| Net charge-offs | -0.12% (stronger) | 0.42% |
| Return on assets | 2.59% (stronger) | 0.80% |
| Loans ÷ deposits | 49.5% (stronger) | 61.2% |
| Uninsured deposits | 11.9% | 10.8% (stronger) |
| Offices | 3 | 1 |
| 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 86). On the 7 directional measures above (where higher or lower is clearly better), Port of Houston Warehouse Federal Credit Union leads on 5 and Lubrizol Employees' Credit Union on 2. 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.