Port Arthur, TX · Charter 7023
NCUA · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets in TX (n=235). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
34
Asset Quality
66
Profitability
34
Liquidity
78
Efficiency
10
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Port Arthur, TX · Charter 7023
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.19% | -0.11% | -0.62% | -1.00% | -0.63% | -44 bps | |
| Return on Equity | -1.41% | -0.79% | -4.92% | -8.14% | -5.20% | -379 bps | |
| Net Interest Margin | 4.79% | 4.75% | 4.65% | 4.66% | 4.77% | -1 bps | |
| Efficiency Ratio | 96.29% | 96.83% | 98.87% | 105.79% | 101.06% | +477 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.64% | 0.14% | 2.92% | 3.49% | 3.44% | +808 bps | |
| Loan Growth (YoY) | -2.19% | -2.50% | -4.45% | -4.10% | -6.81% | -462 bps | |
| Share Growth (YoY) | -5.49% | 1.45% | 4.91% | 6.13% | 6.88% | +1,236 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.80% | 2.18% | 1.90% | 1.59% | 0.38% | -242 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.63% | 13.45% | 12.60% | 12.25% | 12.18% | -145 bps | |
| Net Worth / Assets | 13.63% | 13.45% | 12.60% | 12.25% | 12.18% | -145 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 83.35% | 78.06% | 74.80% | 73.16% | 72.68% | -1,067 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Port Arthur, TX · Charter 7023 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
Return on Assets
-0.63%
Rank 218 of 235
Net Interest Margin
4.78%
Rank 27 of 235
Efficiency Ratio
100.97%
Rank 212 of 235
Equity / Assets
12.18%
Rank 156 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.63% | 0.17% | 0.57% | 1.10% | Beats 7% | 218 / 235 | |
| Return on Equity | -5.20% | 1.03% | 4.30% | 7.58% | Beats 5% | 224 / 235 | |
| Net Interest Margin | 4.78% | 3.32% | 3.89% | 4.35% | Beats 89% | 27 / 235 | |
| Efficiency Ratio | 100.97% | 70.60% | 82.00% | 91.57% | Beats 10% | 212 / 235 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.39% | 0.20% | 0.59% | 1.14% | Beats 66% | 82 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 12.18% | 11.30% | 14.41% | 19.49% | Beats 34% | 156 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 12.18% | 11.30% | 14.41% | 19.49% | Beats 34% | 156 / 235 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 72.68% | 54.18% | 67.38% | 81.66% | 60th pctl | 95 / 235 | |
| Loans / Assets | 63.74% | 43.80% | 56.63% | 68.64% | 66th pctl | 79 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||