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.
Trailing 9 quarters, through Q2 2026
Capital
34
Asset Quality
66
Profitability
34
Liquidity
78
Efficiency
10
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is a stronger peer standing, and the peer median is fixed at 50. Liquidity, Growth: closeness to the peer median, 100 at the median.
Port Arthur, TX · Charter 7023
NCUA · 1 branch
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.11% | -0.11% | -0.11% | -0.19% | -0.11% | -0.62% | -1.00% | -0.63% | -44 bps | |
| Return on Equity | 0.82% | -0.81% | -0.82% | -1.41% | -0.79% | -4.92% | -8.14% | -5.20% | -379 bps | |
| Net Interest Margin | 4.80% | 4.82% | 4.76% | 4.79% | 4.75% | 4.65% | 4.66% | 4.77% | -1 bps | |
| Efficiency Ratio | 92.97% | 93.76% | 96.55% | 96.29% | 96.83% | 98.87% | 105.79% | 101.06% | +477 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.93% | -4.38% | -4.43% | -4.64% | 0.14% | 2.92% | 3.49% | 3.44% | +808 bps | |
| Loan Growth (YoY) | -5.87% | -6.67% | -4.46% | -2.19% | -2.50% | -4.45% | -4.10% | -6.81% | -462 bps | |
| Share Growth (YoY) | -2.13% | -3.55% | -5.65% | -5.49% | 1.45% | 4.91% | 6.13% | 6.88% | +1,236 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.09% | 2.77% | 1.11% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.92% | 13.77% | 13.72% | 13.63% | 13.45% | 12.60% | 12.25% | 12.18% | -145 bps | |
| Net Worth / Assets | 13.92% | 13.77% | 13.72% | 13.63% | 13.45% | 12.60% | 12.25% | 12.18% | -145 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 81.22% | 82.12% | 80.97% | 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% | 0.00% | 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 | 8-Qtr Trend | 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 | ||||||