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Port Arthur Community

Port Arthur, TX · Charter 7023

NCUA · 1 branch

Q2 2026

$20.2MAssets
$12.9MLoans
$17.7MShares
$2.5MNet Worth

Executive Summary

  • Earnings: ROA of -0.63%, down 44 bps year over year; NIM at 4.77%.
  • Asset quality: problem loans at 0.38% of loans (-242 bps YoY).
  • Capital: net worth / assets of 12.18%, down 145 bps from a year ago.
  • Funding: loans stand at 72.68% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

-0.63%-44 bps YoY

Net Interest Margin (YTD, annualized)

4.77%-1 bps YoY

Efficiency Ratio (YTD, annualized)

101.06%+477 bps YoY

Net Worth / Assets

12.18%-145 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.11%-0.11%-0.11%-0.19%-0.11%-0.62%-1.00%-0.63%-44 bps
Return on Equity0.82%-0.81%-0.82%-1.41%-0.79%-4.92%-8.14%-5.20%-379 bps
Net Interest Margin4.80%4.82%4.76%4.79%4.75%4.65%4.66%4.77%-1 bps
Efficiency Ratio92.97%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 / Loans2.09%2.77%1.11%2.80%2.18%1.90%1.59%0.38%-242 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital13.92%13.77%13.72%13.63%13.45%12.60%12.25%12.18%-145 bps
Net Worth / Assets13.92%13.77%13.72%13.63%13.45%12.60%12.25%12.18%-145 bps
Liquidity & Funding
Loans / Shares81.22%82.12%80.97%83.35%78.06%74.80%73.16%72.68%-1,067 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps