TellerScore

Port of Houston Warehouse Federal Credit Union (NCUA charter #21029) is based in Houston, Texas. Its Q2 2026 call report shows $5.4M in total assets and $4.2M in member shares and deposits and 3 offices.

Based on its Q2 2026 filing, Port of Houston Warehouse Federal Credit Union scores 96/100, which we describe as very strong. That is higher than 97% of 2,479 credit unions with under $100 million in assets. Among 380 credit unions headquartered in Texas, it ranks 13th. Its strongest component is capital cushion (100/100; 21.55%), and its lowest is loan quality (83/100; 0.52%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 21.55%
Loan quality83/100
Loans 60+ days delinquent ÷ total loans: 0.52%
Earnings100/100
Return on assets (annualized): 2.59%
Funding & liquidity100/100
Loans ÷ shares: 49.5% · 11.9% uninsured
Problem-loan coverage98/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.92%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (97 → 96).

TellerScore
899498Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202494
Q3 202491
Q4 202495
Q1 202591
Q2 202597
Q3 202589
Q4 202598
Q1 202696
Q2 202696
Net worth ratio
7.00%14.28%21.55%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202417.23%
Q3 202418.53%
Q4 202418.79%
Q1 202518.95%
Q2 202519.12%
Q3 202520.26%
Q4 202519.44%
Q1 202620.60%
Q2 202621.55%
Delinquent loans (60+ days)
0.26%0.74%1.21%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.73%
Q3 20241.03%
Q4 20240.59%
Q1 20250.97%
Q2 20250.39%
Q3 20251.21%
Q4 20250.26%
Q1 20260.44%
Q2 20260.52%
Return on assets
2.50%3.04%3.59%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20243.50%
Q3 20243.59%
Q4 20243.36%
Q1 20253.00%
Q2 20253.14%
Q3 20253.03%
Q4 20252.50%
Q1 20263.23%
Q2 20262.59%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202696$5.4M21.55%0.52%2.59%49.5%
Q1 202696$5.5M20.60%0.44%3.23%49.8%
Q4 202598$5.6M19.44%0.26%2.50%53.7%
Q3 202589$5.3M20.26%1.21%3.03%55.3%
Q2 202597$5.4M19.12%0.39%3.14%60.5%
Q1 202591$5.2M18.95%0.97%3.00%52.8%
Q4 202495$5.0M18.79%0.59%3.36%52.7%
Q3 202491$4.9M18.53%1.03%3.59%53.6%
Q2 202494$5.0M17.23%0.73%3.50%55.6%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio21.55%
82nd
Problem loans0.52%
58th
Net charge-offs-0.12%
94th
Return on assets2.59%
98th
Loans to deposits49.5%
65th
Uninsured deposits11.9%
5th
Loan-loss reserves0.00%
37th
Texas ratio0.9%
67th

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Pampa Municipal Credit UnionCredit union Pampa, TX68 out of 100, Moderate$5.4M14.1%1.63%vs
Frio County Federal Credit UnionCredit union Pearsall, TX67 out of 100, Moderate$5.3M37.4%0.63%vs
Redeemer Federal Credit UnionCredit union Plano, TX59 out of 100, Moderate$5.4M27.5%2.75%vs
S.T.E.C. Federal Credit UnionCredit union Nursery, TX79 out of 100, Strong$5.5M30.9%0.44%vs
Farmers Branch City Employees Federal Credit UnionCredit union Farmers Branch, TX57 out of 100, Moderate$5.2M19.9%6.74%vs
Moore County Schools Federal Credit UnionCredit union Dumas, TX62 out of 100, Moderate$5.1M12.4%1.92%vs

Deposit insurance

Is my money safe at Port of Houston Warehouse Federal Credit Union?

Yes. Port of Houston Warehouse Federal Credit Union is a federally insured credit union (NCUA charter #21029). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 11.9% of shares and deposits ($497K) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 21.55%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Port of Houston Warehouse Federal Credit Union lists 3 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Port of Houston Warehouse Federal Credit Union
Type
Federal credit union
NCUA charter #
21029
RSSD ID
209287
Primary regulator
NCUA
Established
1972
Headquarters
1717 East Loop N Ste 160, Houston, TX 77029
Employees
2

Quick answers

Port of Houston Warehouse Federal Credit Union: common questions

Is Port of Houston Warehouse Federal Credit Union NCUA insured?

Yes. Port of Houston Warehouse Federal Credit Union is a federally insured credit union (NCUA charter #21029). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Port of Houston Warehouse Federal Credit Union's TellerScore?

96 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Port of Houston Warehouse Federal Credit Union have?

3 offices as of the latest NCUA data.

Nearby

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