Side-by-side · Q2 2026 data
S.T.E.C. Federal Credit Union 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 | S.T.E.C. Federal Credit Union | Port of Houston Warehouse Federal Credit Union |
|---|---|---|
| TellerScore | 79 | 96 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 85 (stronger) | 83 |
| Earnings | 39 | 100 (stronger) |
| Funding & liquidity | 67 | 100 (stronger) |
| Problem-loan coverage | 98 | 98 |
| Peer percentile | 62nd | 97th |
| Total assets | $5.5M | $5.4M |
| Deposits / shares | $3.8M | $4.2M |
| Capital ratio | 30.91% (stronger) | 21.55% |
| Problem loans | 0.44% (stronger) | 0.52% |
| Net charge-offs | 0.09% | -0.12% (stronger) |
| Return on assets | 0.48% | 2.59% (stronger) |
| Loans ÷ deposits | 93.6% | 49.5% (stronger) |
| Uninsured deposits | 6.2% (stronger) | 11.9% |
| 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 79). On the 7 directional measures above (where higher or lower is clearly better), S.T.E.C. Federal Credit Union leads on 3 and Port of Houston Warehouse Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.