Side-by-side · Q2 2026 data
Port of Houston Warehouse Federal Credit Union vs Texas Bay 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 | Texas Bay Credit Union |
|---|---|---|
| TellerScore | 96 (stronger) | 53 |
| Capital cushion | 100 (stronger) | 25 |
| Loan quality | 83 (stronger) | 82 |
| Earnings | 100 (stronger) | 31 |
| Funding & liquidity | 100 (stronger) | 67 |
| Problem-loan coverage | 98 (stronger) | 87 |
| Peer percentile | 97th | 9th |
| Total assets | $5.4M | $905.0M |
| Deposits / shares | $4.2M | $763.5M |
| Capital ratio | 21.55% (stronger) | 7.49% |
| Problem loans | 0.52% (stronger) | 0.55% |
| Net charge-offs | -0.12% (stronger) | 1.07% |
| Return on assets | 2.59% (stronger) | 0.27% |
| Loans ÷ deposits | 49.5% (stronger) | 93.1% |
| Uninsured deposits | 11.9% | 8.0% (stronger) |
| Offices | 3 | 10 |
| 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 53). On the 7 directional measures above (where higher or lower is clearly better), Port of Houston Warehouse Federal Credit Union leads on 6 and Texas Bay 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.