BlastPoint's Credit Union Scorecard
PORT TERMINAL
Charter #14512 · TX
PORT TERMINAL has 5 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.80% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 1.9% in tier
- + Net Worth Ratio: Top 2.3% in tier
Key Concerns
Areas that may need attention
- - ROA 0.02% below tier average
- - Efficiency ratio 6.09% above tier (higher cost structure)
- - Delinquency rate 2.94% above tier average
- - Total Delinquency Rate (60+ days): Bottom 7.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
643
+1.3% YoY+1.4% QoQ
|
-2.0K |
2,615
-1.9% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
18% |
| Assets |
$8.0M
+5.7% YoY+5.0% QoQ
|
$-22.2M |
$30.1M
+2.1% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
27% |
| Loans |
$5.1M
+6.3% YoY+0.7% QoQ
|
$-10.6M |
$15.8M
-1.3% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
35% |
| Deposits |
$4.8M
+6.8% YoY+6.7% QoQ
|
$-20.9M |
$25.7M
+1.4% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
22% |
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| ROA |
0.6%
-36.8% YoY-30.2% QoQ
|
-0.0% |
0.6%
+10.8% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
45% |
| NIM |
4.7%
-8.0% YoY-3.9% QoQ
|
+0.8% |
4.0%
+4.0% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
80% |
| Efficiency Ratio |
88.6%
+6.9% YoY+5.0% QoQ
|
+6.1% |
82.6%
-2.3% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
72% |
| Delinquency Rate |
4.5%
+679.3% YoY+13.7% QoQ
|
+2.9 |
1.6%
-3.1% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
Top 7.3% in tier |
| Loan To Share |
107.8%
-0.5% YoY-5.7% QoQ
|
+47.2% |
60.6%
-3.1% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
Top 2.0% in tier |
| AMR |
$15,363
+5.2% YoY+2.0% QoQ
|
+$581 |
$14,783
-1.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
58% |
| CD Concentration |
0.5%
-83.0% YoY-33.6% QoQ
|
-23.9% | 24.4% | 21.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.1% | 7.8% | 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)