A credit union's profitability affects its long-term survivability. Earnings can be retained by the credit union, increasing its capital buffer, or be used to deal with problematic loans, likely making the credit union more resilient in tough times. Losses, on the other hand, reduce a credit union's ability to do those things.
On Bankrate's earnings test, PORT OF HOUSTON scored 10 out of a possible 30, coming in below the national average of 10.31.
One indication that the credit union is doing better than its peers in this area was its earnings ratio of 5.00 percent in our test, higher than the average for all credit unions.