Port Arthur Teachers
Port Arthur, TX · Charter 8413 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 2 branches
Q2 2026
$38.0MAssets
$9.5MLoans
$31.5MShares
$5.7MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 92% of credit unions under $1B in assets in TX (rank 19 of 235).
- Widest gap: equity / assets trails 45% of credit unions under $1B in assets in TX (rank 106 of 235).
- Overall: at or above the peer median on 7 of 7 directional measures.
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 |