Side-by-side · Q2 2026 data
Port of Houston Warehouse Federal Credit Union vs Smart Financial Credit Union
Credit union
Port of Houston Warehouse Federal Credit Union
Houston, Texas · Under $100 million in assets
Metric by metric
| Measure | Port of Houston Warehouse Federal Credit Union | Smart Financial Credit Union |
|---|---|---|
| TellerScore | 96 (stronger) | 69 |
| Capital cushion | 100 (stronger) | 68 |
| Loan quality | 83 (stronger) | 61 |
| Earnings | 100 (stronger) | 68 |
| Funding & liquidity | 100 (stronger) | 77 |
| Problem-loan coverage | 98 (stronger) | 82 |
| Peer percentile | 97th | 48th |
| Total assets | $5.4M | $807.5M |
| Deposits / shares | $4.2M | $700.6M |
| Capital ratio | 21.55% (stronger) | 11.84% |
| Problem loans | 0.52% (stronger) | 1.16% |
| Net charge-offs | -0.12% (stronger) | 0.54% |
| Return on assets | 2.59% (stronger) | 1.20% |
| Loans ÷ deposits | 49.5% (stronger) | 83.7% |
| Uninsured deposits | 11.9% | 2.8% (stronger) |
| Offices | 3 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 41.1% |
Port of Houston Warehouse Federal Credit Union has the higher TellerScore (96 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Port of Houston Warehouse Federal Credit Union leads on 6 and Smart Financial Credit Union on 1. 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.