PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Port Arthur Teachers

Port Arthur, TX · Charter 8413

NCUA · 2 branches

Q2 2026

$38.0MAssets
$9.5MLoans
$31.5MShares
$5.7MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.72%, up 101 bps year over year; NIM at 4.24%.
  • Asset quality: problem loans at 0.35% of loans (-56 bps YoY).
  • Capital: net worth / assets of 14.92%, up 16 bps from a year ago.
  • Funding: loans stand at 30.06% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.72%+101 bps YoY

Net Interest Margin (YTD, annualized)

4.24%-23 bps YoY

Efficiency Ratio (YTD, annualized)

66.83%-1,868 bps YoY

Net Worth / Assets

14.92%+16 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.71%0.71%0.69%1.23%1.72%+101 bps
Return on Equity4.82%4.81%4.72%8.32%11.51%+669 bps
Net Interest Margin4.47%4.47%4.34%4.40%4.24%-23 bps
Efficiency Ratio85.50%84.01%85.37%66.28%66.83%-1,868 bps
Growth
Asset Growth (YoY)0.11%4.34%6.26%4.42%6.14%+604 bps
Loan Growth (YoY)-1.83%-2.04%-4.54%-3.26%1.04%+286 bps
Share Growth (YoY)-0.21%4.28%6.71%3.22%5.85%+606 bps
Asset Quality
Delinquent Loans / Loans0.90%1.41%1.41%0.38%0.35%-56 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital14.76%14.69%14.65%14.75%14.92%+16 bps
Net Worth / Assets14.76%14.69%14.65%14.75%14.92%+16 bps
Liquidity & Funding
Loans / Shares31.49%30.75%29.63%28.28%30.06%-143 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps