Port Arthur Community
Port Arthur, TX · Charter 7023 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
$20.2MAssets
$12.9MLoans
$17.7MShares
$2.5MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 89% of credit unions under $1B in assets in TX (rank 27 of 235).
- Widest gap: return on equity trails 95% of credit unions under $1B in assets in TX (rank 224 of 235).
- Overall: at or above the peer median on 2 of 7 directional measures.
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 |