# PORT OF HOUSTON
Houston, TX · NCUA charter 60782 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/port-of-houston-60782

Who the members are: state charter, organized 1956, low-income designated. 866 members of 1,000 potential (86.6% of the field); checking penetration 30% (share draft accounts per 100 members); loans per 100 members 42.

**Verdict on the desk:** this could be *stressed*. Composite score 5 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $7.8M |
| Members | 866 (-1.6% YoY) |
| Full-time staff | 2 |
| Net worth | $2.6M |
| Net worth ratio | 32.9% (p95 of band) |
| ROA (annualized) | 1.54% (p86 of band) |
| Total delinquency | 2.26% (p80 of band) |
| Net charge-offs (annualized) | -0.29% (p6 of band) |
| Loans / shares | 104% (p97 of band) |
| Cash / assets | 30.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 6.44% (p97 of band) |
| Operating expense / assets | 5.74% (p87 of band) |
| Vehicles % of loans | 72% (p67 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 1.41% (p72 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 14% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 82% |
| Certificates % of member funds | 13% |
| Average share balance | $4,403 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 42% |
| Loans granted per 100 members, annualized | 9% |
| Average loan balance | $14,874 |
| Loans granted, annualized | $1.2M |

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)
- **assets shrinking** (`shrink_assets`)
- **loans>95% of shares** (`str_ltos`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | delinquency 2x band, loans>95% of shares, auto monoline |  |
| 2016-06 | 2 |  | delinquency 2x band |
| 2016-09 | 3 | net worth falling |  |
| 2016-12 | 2 |  | net worth falling |
| 2017-03 | 4 | margin squeeze, delinquency 2x band |  |
| 2017-06 | 4 | delinquency rising | delinquency 2x band |
| 2017-09 | 4 |  |  |
| 2017-12 | 4 | net worth falling | delinquency rising |
| 2018-03 | 4 | delinquency 2x band | margin squeeze |
| 2018-06 | 3 | charge-offs p90 | net worth falling, delinquency 2x band |
| 2018-09 | 3 |  |  |
| 2018-12 | 3 |  |  |
| 2019-03 | 4 | assets shrinking, loan book shrinking | charge-offs p90 |
| 2019-06 | 3 |  | assets shrinking |
| 2019-09 | 2 |  | loan book shrinking |
| 2019-12 | 4 | assets shrinking, loan book shrinking |  |
| 2020-03 | 4 | delinquency rising | assets shrinking |
| 2020-06 | 1 |  | loans>95% of shares, loan book shrinking, delinquency rising |
| 2020-09 | 3 | net worth falling, margin squeeze |  |
| 2020-12 | 3 |  |  |
| 2021-03 | 2 |  | net worth falling |
| 2021-06 | 4 | delinquency 2x band, delinquency rising |  |
| 2021-09 | 2 |  | delinquency 2x band, delinquency rising |
| 2021-12 | 2 | delinquency rising | margin squeeze |
| 2022-03 | 2 |  |  |
| 2022-06 | 2 | margin squeeze | delinquency rising |
| 2022-09 | 2 | delinquency rising | margin squeeze |
| 2022-12 | 2 | members leaving | delinquency rising |
| 2023-03 | 2 | delinquency rising | members leaving |
| 2023-06 | 4 | delinquency 2x band, members leaving |  |
| 2023-09 | 1 |  | delinquency rising, delinquency 2x band, members leaving |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 2 | net worth falling |  |
| 2024-09 | 1 |  | net worth falling |
| 2024-12 | 3 | delinquency 2x band, delinquency rising |  |
| 2025-03 | 2 |  | delinquency 2x band |
| 2025-06 | 4 | delinquency 2x band, assets shrinking |  |
| 2025-09 | 2 | loans>95% of shares | delinquency rising, delinquency 2x band, assets shrinking |
| 2025-12 | 3 | assets shrinking |  |
| 2026-03 | 5 | delinquency 2x band, delinquency rising |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-01-11 [Trellis Moses Obituary - Houston, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMiggFBVV95cUxQa1dESWJIS0tiY0FUc1p3YURabFo2MF9HdmRXT1gxcW1BeEJDR0gwLXZ0T1VrdEVhc2FKbUlFVlFTcFJ0ekVUVnU0N0UwdDFlZ0UzZzEzVGpzOWVGTUVBWDhUQkx3aDdMbTN6d3lIOW43c2ZvYWt1eWdLWndRMXgzd2Vn?oc=5) · Dignity Memorial
- 2020-12-31 [NCUA bans two former credit union employees from industry - American Banker](https://news.google.com/rss/articles/CBMiqgFBVV95cUxPY05aSW5OREV4WDBBaFJzR3hvTjZIcnJuYnkzZjlaOEZ1QU8zTUxKVlZyZkNSa2MyT1d2ZVlFSlQyZjVCSHdRcFZfWVRDX2h0dDhwOWs3cWtWeEdfcDdFeGFxUUNubk15ZHJ2MWlCTV9HOTF6ajJDbk92SjFRY29oN3FROHIzeWd5R1drQ3A3MkZZWERITGo1VmlUdGpMMV9uVXFGYmdybHB0dw?oc=5) · American Banker
- 2026-03-27 [Here again are the leaders driving growth, change in the Bay Area - The Business Journals](https://news.google.com/rss/articles/CBMimgFBVV95cUxQSFlSMGYxUGxRMWJLcTM2YkZlN1FlU0V1eWhTVldLVENkbmlhOGt3QnpWTGdkbHUyd1diRThvZmF6OEM0aUVmU0RKcDZFcnFQTGFUX1VnSC1pUVJXVG5tZm85TDJtcXJZd0prN0ZCdGw1NHlnaHd3T3I5ejBRc2RLWTExUmhKRk10U3ZwZDd5TlpuUzI5OHE1REtR?oc=5) · The Business Journals
- 2025-12-06 [RNR Real Estate Briefs – Texas & more - Realty News Report](https://news.google.com/rss/articles/CBMidEFVX3lxTFBDWUJiN1BqbzlaeWdPcm5JNEtsaW1DaktiRVNPRnlaYlpFU3F5a2JRNkFkRnlTb0c0X1VUa29xWVdXN2xUdThyalUtNW9aQzJXTE1IQmo2UnpYMVVXdS1rTnQwLVhtUXp0LVBENnlHX245R1ct?oc=5) · Realty News Report
- 2021-10-30 [Texas Trust honors AISD nurses - Weatherford Democrat](https://news.google.com/rss/articles/CBMiyAFBVV95cUxObWpfenpVcmZaRDZHV2NzTHBDNUZYQzVZY1g4cUlmWjBGQi1sN0RqTW1TVHNydXByZUZ5cUdoMlZ2cDc5Znp0UTBWMm5EcDFkcnZBbHg0S01WX1NfcVdxV3o4R1lOZ19XWmFBNkpfcHlITkFsZW1OS3ZFUTduR0xyMVlHWm5WSTRmbnlFYUVBZG84T0c3bWxlakhYUGFjWDkwNHZkazFoV1VtZ3hfY2F0TkJQNDBjekFEUlJEUHVkTktNYUxJMmZFMg?oc=5) · Weatherford Democrat
- 2017-08-31 [Asbestos in Texas - Mesothelioma.com](https://news.google.com/rss/articles/CBMiVEFVX3lxTE5zTUJ3Qkx3SGhrWHNYcjdPd0wxaXlLNEtTaUJHRXk1VFNsZU5ZWXR4S2RYU2ducnYtR1dfSEFhODRXX2RVT0U1NnBwTHU1RmlTb1V2ZQ?oc=5) · Mesothelioma.com
- 2013-06-12 [Leadership Friendswood graduates - Chron](https://news.google.com/rss/articles/CBMipwFBVV95cUxPd1M4LUFKaE9EOGZLWlhDa1lBeWZBX1UwZll6cEFJRVhmVGtfc3M4YjVLSXNaVjBPZDJhNlhRRm5xdHhiX3NyT2phdVZEOTlZR2lhdUkzZUV6OFhCeU9IbzFGUWs0djR4Mkttb0diazFiTEdfNlpRREFHeGY3ZUdJVUowdkJhQ2p1c01FOTdrN2VSLS0zZk13R3pWMVdiR3g4OV8yWm1vdw?oc=5) · Chron
- 2003-03-19 [Julian Philips Obituary (2003) - Houston, TX - Houston Chronicle - legacy.com](https://news.google.com/rss/articles/CBMimgFBVV95cUxQX2pYX19yaDdyQ0NWYXhKN2QtUXp3dk9DdVJjMUFvYzN4cU9LcDlnX0hYTUlKalNoUVRscHNZZzZ6NTFPOFZEbDBhZFB4cUY3ZGNlalRjLUREN0RCLXlXVTdiNDBhcVQzcHFHeG5MQU1wSmNHTmZXSkNVN0N3THpyal9pT0YzMHA5V1lRTDVBS0FENXp5WDNGTW1n?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=60782 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/46.json (key "60782", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=60782
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide