Credit Union Safety Analysis
Is Port Terminal Federal Credit Union Safe? Houston, Texas
Based on its Q2 2026 NCUA 5300 call report, Port Terminal Federal Credit Union has a net worth ratio of 34.60%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 3.13%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Port Terminal Federal Credit Union's net worth ratio is 34.60%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 34.60%
- Delinquency ratio (60+ days) (Q2 2026): 3.13%
- Return on assets (Q2 2026): 1.44%
- Loan-to-share ratio (Q2 2026): 94.22%
Port Terminal Federal Credit Union (NCUA charter 14512, established 1961) reported $9.1M in assets and 651 members for Q2 2026 from Houston, Texas. It ranks 310 of 377 credit unions in Texas by total assets. Total assets grew 17.3% from $7.8M on June 30, 2025. It has 11 more members than on June 30, 2025 (+1.7%). Its net worth ratio was down 5.83 percentage points from 40.43% on June 30, 2025. New vehicle loans are its largest loan category, $3.1M of $5.6M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 3.13% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 34.51% for Q1 2026; 40.43% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 0.75% for Q1 2026; 1.98% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: -0.32% for Q1 2026; 1.05% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 89.38% for Q1 2026; 105.67% for Q2 2025.
Loans by type, Q2 2026
- New vehicle loans: $3.1M
- Other unsecured loans and lines of credit: $1.3M
- Used vehicle loans: $794K
- Other secured non-real estate loans and lines of credit: $481K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $9.1M | 34.60% | 3.13% | 1.44% | 94.22% |
| March 31, 2026 | $9.2M | 34.51% | 0.75% | -0.32% | 89.38% |
| December 31, 2025 | $8.0M | 39.76% | 4.49% | -0.14% | 107.81% |
| September 30, 2025 | $7.6M | 38.85% | 3.95% | 0.90% | 114.28% |
| June 30, 2025 | $7.8M | 40.43% | 1.98% | 1.05% | 105.67% |
| March 31, 2025 | $7.6M | 40.76% | 1.48% | 0.61% | 104.53% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Port Terminal Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 14512) · FFIEC NIC profile (RSSD 999083)
Frequently asked questions
Is Port Terminal Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Port Terminal Federal Credit Union's net worth ratio is 34.60%, above the 7% NCUA threshold for well capitalized.
Is Port Terminal Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Port Terminal Federal Credit Union is a federally insured credit union (NCUA charter 14512): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Port Terminal Federal Credit Union's key safety ratios?
For Q2 2026, Port Terminal Federal Credit Union reports net worth 34.60%, delinquency 3.13%, ROA 1.44%, loan-to-share 94.22%.
What happens to my money if Port Terminal Federal Credit Union fails?
For Q2 2026, Port Terminal Federal Credit Union held $5.9M in shares and deposits for 651 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.