Port Arthur, TX · Charter 8413
NCUA · 2 branches
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
55
Asset Quality
67
Profitability
85
Liquidity
0
Efficiency
83
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 8413
NCUA · 2 branches
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 | 0.51% | 0.53% | 0.65% | 0.71% | 0.71% | 0.69% | 1.23% | 1.72% | +101 bps | |
| Return on Equity | 3.51% | 3.60% | 4.46% | 4.82% | 4.81% | 4.72% | 8.32% | 11.51% | +669 bps | |
| Net Interest Margin | 4.14% | 4.11% | 4.60% | 4.47% | 4.47% | 4.34% | 4.40% | 4.24% | -23 bps | |
| Efficiency Ratio | 81.83% | 83.79% | 88.94% | 85.50% | 84.01% | 85.37% | 66.28% | 66.83% | -1,868 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.16% | -3.88% | -1.51% | 0.11% | 4.34% | 6.26% | 4.42% | 6.14% | +604 bps | |
| Loan Growth (YoY) | -3.22% | -3.11% | -6.09% | -1.83% | -2.04% | -4.54% | -3.26% | 1.04% | +286 bps | |
| Share Growth (YoY) | -9.43% | -5.81% | -2.67% | -0.21% | 4.28% | 6.71% | 3.22% | 5.85% | +606 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.75% | 1.44% | 0.95% | 0.90% | 1.41% | 1.41% | 0.38% | 0.35% | -56 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 | 14.63% | 14.83% | 14.53% | 14.76% | 14.69% | 14.65% | 14.75% | 14.92% | +16 bps | |
| Net Worth / Assets | 14.63% | 14.83% | 14.53% | 14.76% | 14.69% | 14.65% | 14.75% | 14.92% | +16 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 32.73% | 33.12% | 30.17% | 31.49% | 30.75% | 29.63% | 28.28% | 30.06% | -143 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 8413 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 2 branches
Q2 2026
Return on Assets
1.72%
Rank 20 of 235
Net Interest Margin
4.24%
Rank 65 of 235
Efficiency Ratio
66.82%
Rank 42 of 235
Equity / Assets
14.92%
Rank 106 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.72% | 0.17% | 0.57% | 1.10% | Beats 91% | 20 / 235 | ||
| Return on Equity | 11.51% | 1.03% | 4.30% | 7.58% | Beats 92% | 19 / 235 | ||
| Net Interest Margin | 4.24% | 3.32% | 3.89% | 4.35% | Beats 72% | 65 / 235 | ||
| Efficiency Ratio | 66.82% | 70.60% | 82.00% | 91.57% | Beats 83% | 42 / 235 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.35% | 0.20% | 0.59% | 1.14% | Beats 67% | 79 / 235 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.92% | 11.30% | 14.41% | 19.49% | Beats 55% | 106 / 235 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 14.92% | 11.30% | 14.41% | 19.49% | Beats 55% | 106 / 235 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 30.06% | 54.18% | 67.38% | 81.66% | 5th pctl | 224 / 235 | ||
| Loans / Assets | 24.96% | 43.80% | 56.63% | 68.64% | 4th pctl | 225 / 235 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||