BlastPoint's Credit Union Scorecard
PORT TERMINAL
Charter #14512 · TX
PORT TERMINAL has 6 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Deposit Growth Rate: Top 0.7% in tier
- + Asset Growth Rate: Top 1.3% in tier
- + AMR Growth Rate: Top 2.4% in tier
- + Net Worth Ratio: Top 3.7% in tier
- + Loan Growth Rate: Top 5.1% in tier
- + Loan-to-Share Ratio: Top 8.7% in tier
Key Concerns
Areas that may need attention
- - ROA 0.47% below tier average
- - Efficiency ratio 16.60% above tier (higher cost structure)
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
651
+2.0% YoY+1.2% QoQ
|
-2.0K |
2,676
+1.6% YoY
|
29,039
+7.4% YoY
|
33,913
+5.7% YoY
|
18% |
| Assets |
$9.2M
+21.6% YoY+15.6% QoQ
|
$-21.0M |
$30.2M
+1.3% YoY
|
$450.8M
+10.3% YoY
|
$578.3M
+9.0% YoY
|
30% |
| Loans |
$5.4M
+15.7% YoY+5.6% QoQ
|
$-9.9M |
$15.3M
-2.0% YoY
|
$318.1M
+8.9% YoY
|
$402.4M
+8.7% YoY
|
36% |
| Deposits |
$6.1M
+35.3% YoY+27.4% QoQ
|
$-19.7M |
$25.8M
+0.7% YoY
|
$378.7M
+10.8% YoY
|
$494.3M
+9.1% YoY
|
26% |
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| ROA |
-0.3%
-152.1% YoY-153.7% QoQ
|
-0.5% |
0.1%
-77.6% YoY
|
-0.2%
-134.7% YoY
|
0.4%
-39.2% YoY
|
15% |
| NIM |
3.3%
-34.3% YoY-30.2% QoQ
|
-0.7% |
4.0%
+4.0% YoY
|
3.9%
-0.7% YoY
|
3.8%
+4.1% YoY
|
29% |
| Efficiency Ratio |
107.2%
+21.1% YoY+21.0% QoQ
|
+16.6% |
90.6%
+6.5% YoY
|
98.7%
+20.4% YoY
|
84.6%
+2.8% YoY
|
Bottom 11.1% in tier |
| Delinquency Rate |
0.8%
-49.2% YoY-83.2% QoQ
|
-0.7 |
1.5%
+3.8% YoY
|
1.2%
+13.1% YoY
|
1.2%
+3.4% YoY
|
55% |
| Loan To Share |
89.4%
-14.5% YoY-17.1% QoQ
|
+30.9% |
58.5%
-3.0% YoY
|
69.5%
-2.6% YoY
|
65.6%
-1.4% YoY
|
Top 8.8% in tier |
| AMR |
$17,613
+22.8% YoY+14.6% QoQ
|
+$3K |
$14,884
-1.7% YoY
|
$17,820
+2.9% YoY
|
$19,920
+1.6% YoY
|
68% |
| CD Concentration |
29.1%
+854.1% YoY+5956.3% QoQ
|
+4.8% | 24.3% | 21.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 6.9% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)